FILL OUT THE FORM BELOW AND RECEIVE A NO-OBLIGATION CONSULTATION

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*Unsecured debt includes credit cards, lines of credit, bank overdrafts, payday loans, and unsecured personal loans (excluding student loans). It does not include mortgages and car loans.

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How can we help you?

If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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trustee advice

I had a meeting with a trustee and he advised me that I should do nothing . I am a retiree living only on old age security and the supplement .I have built up considerable debt by using one card to pay off another. He told me that since I have no assets and a very small income that it wasnt much point in a bankruptcy or a proposal.The collection agencies will likely write off my debt bc it would cost them more money to go to court. Money I cant pay . Does his advice sound logical? I have no idea what is good advice and what isn’t. Can collection agencies come to the realization that you just dont have the money to pay. More harassment is simply futile and a waste of their time and my peace of mind.

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