“Quick to fill out.. only issue was that there were only 3 options for cities in Nova Scotia and none of them were where I am from so I had to choose Halifax and don't know if that changes anything. Other than that excellent!”
“Very informative, positiv, uplifting and user-friendly. I don't know anything about Bankruptcy except that it is a scary word. I am glad this site is able to change my perspective.”
“I am in a position where the credit card companies are harassing me. I am really not sure what to do or how much it will cost me to file bankruptcy or if that is even a viable option at this time.Thanks”
“I appreciated a basic and simple questionnaire in regards to finding out my options of bankruptcy and I am looking forward to receiving an Email response to set my mind at ease.”
“I would someone to call me or call and set up an appointment. I don't wsnt to file for bankruptcy I want to know an alternative wsy I can get rid of my debt. Thank you”
“I haven't spoken to anyone yet but I pray you can assist me and help clear up this mess I am in. It was so nice to find this site for assistance Thank you Leslie”
“The website was good but your phone services are not very good I was hung up on while trying to connect to the Calgary location via your main number 4 times”
“Thank you very much for providing this site that I was able to search for information. It's been more than 1 year since I was aware of the need your services but didn't know where to begin. This information was straight forward, easy to understand and guide lines were very helpful. I look forward to working with your agency to get my credit back in working order. Thank you for your service to the community.”
“I haven't received any information based on my situation yet, so difficult to rate. I came to this site as it was a link to "professional advice", yet the disclaimer states that it is not an alternative to legal advice"?”
“need to know more about the consumer proposal, do I loose my credit cards for 6 yrs. will the creditors forgive the balance if I pay a portion of what I owe?”
“Student loans are after me because of a loan I took on a few years ago now they sent a notice to my work they want to take 30% of my wages call me either at home. Thanks!”
“I didn't know what to do until a friend of mine told me about this. This site really gave me knowledge of what options I have to help me get out of debt.”
“I liked the idea of being able to submit a very brief summary via email as this will save the insolvency company time if a person does not qualify. Great tool!”
“Personally, I would prefer it if I were able to find a government site offering this information because I assume industry sites to have some inherent bias. That said, the information presented here was clear and easy to understand. I've not made a decision yet, but I appreciate the assistance and information provided here.”
“My debt is like a cloud hanging over me day and night and not a moment goes by me that the fear and embarrassment I feel doesn't strangle me from really enjoying life like everybody else!!! This sounds like it might give me relief!!! We'll see!!!”
“Haven't gotten the call yet. But after reading all that's on this site, this seems like the way to go, and these guys seem helpful with getting you back on track!”
“Pretty straightforward. Have been out of work for almost 17 months and have had only 3 interviews. Have gone through my savings and UI. Only living on CPP and money from delivering newspapers. Credit cards are maxed out and about to miss my first payment on them in years. Have had an excellent credit rating up until now. Just hope that Bankruptcy Canada can help me before my situation gets worse.”
“Found the site very easy to navigate and written in very day language instead of legal terms. Answered alot of my questions however more importantly put my mind more at ease causing less stress that there just maybe a possible solution to what I thought was impossible. Thank you Bankruptcy Canada”
“This website is chalked full of information that helped me understand the proper steps to follow so that I could finally declare bankruptcy and start living a new life.”
“Hi. I have problems with my health over a year and I cannot pay for credit cards. Last few months, I can not even pay the minimum amount. I do not know what to do.”
“we felt that this site was beneficial in answering questions that we were concerned about before making the initiative contact to speak to a trustee.”
“All the information you need regarding options about debt relief is found on this website. Everything is explained clearly. You will never have to visit another web site about debts again.”
“I was struggling to start a bankruptcy application, this site has given me the tools I need to get started! Just wish there was a response time quoted.”
“I am having my wages garnished by what I think was a scam of a car loan in which I gave the car back and now they are garnishing my wages for the full amount. This site helped me understand my options!”
“I was happy to get the information but uncertain whether to proceed or not. Since I had excellent credit until a nasty divorce wiped out all my funds followed by illness, I feel discouraged to go this route. Still trying to decide what to do.”
“I struggled for years with what felt like a crushing debt. Wished I had done this quicker. Thank You !! After giving me all the info I needed, It was such an easy decision after struggling for so long.”
“I would recommend this service to anyone and I did. Everything was straight forward, I was given a few options to explore. We picked one that was suitable for my situation. When I walked out the door a huge weight was lifted from my shoulders. Thanks for all your help!”
“Hello yes. I did in fact visit your site and submitted the form....but no trustee ever contacted me as was indicated on the site. Was expecting to be contacted.”
“I would recommend this service to my friends. Everyone I encountered was helpful. None of my time was wasted. All of my questions were answered. The process was painless.”
“They explained everything to me and where very kind and understanding to me and the credit counciling that I recieved was a great thing to go to and experience ! Very friendly staff .”
“Obviously when anyone is in this type of situation we are nervous, scared and feeling down on ourselves. I would have to say that I have had great help with this whole process and that they have been nothing but friendly and accommodating in every way. Having good support is what we need when we are learning how to manage our finances properly and learn to do better than we have always done.”
- Stephanie Y
All of the people that I have talked to have been so helpful and non judgemental
“Even though bankruptcy was not something I was expecting to ever have to do, they have made it bearable and pleasant.All of the people that I have talked to have been so helpful and non judgemental of my situation . They listened patiently and helped me. I felt like no question was ever stupid and like they care about the people that they are helping. I would highly recommend .”
“The guidance provided left me feeling empowered about my choice and the information shared has helped me move forward in a positive direction making the appropriate changes to succeed financially moving forward. I am grateful and happy with my decision.”
“The trustees made every effort to help set up the process and explain it to me. what I find difficult are 2 points. One, the net income celing doesn't adequately cover what a family needs to survive, and 2 there is no provision for circumstances other than the irresponsible accumulation of debt. My situation as I know many people's are was due to my husband running off and abandoning us and refusing to pay for the mortgage or any support so we lost our home. Therefore the credit card couselling is in a case like this not relevant.”
“Have heavy debt load and currently live on CPP-D with no possibility to obtaining another job to pay for debts. Was provided with a summation of my status and given information on how to proceed considering my financial status.”
“The associate assigned to my case was helpful in explaining all the options available. I was able to reach out and ask questions anytime during the whole process.”
“I found this site when I was at my lowest from a financial aspect and not knowing where to turn for help. I was embarrassed but this site help me realize I was not alone in this struggle & I felt free to express my concerns regarding a potential Consumer Proposal. I am so glad I found it and the ppl on the site are great encouragement.”
“I was devistated when I realized it was my only option at the time that I claimed. All staff have been very supportive and understanding to my needs and my case.”
“The process with CRA is confusing. It was very emotional for me and I'm not sure I have all my questions answered but as they come up, my trustee answers them.”
“It was a great relief, was great service and will helpful, was really helpful on how to manage money and start all fresh, thanks in all aspects for your help.”
- Alice O
I'm sure the site has assisted many hundreds of people.
“Your site provides factual information on a topic where we often find rumours and misinformation online. It's refreshing to get real information ... and no "hard sell" tactics.”
“No judgments, focused on my needs, focused on task, also guiding my privacy and security. Being aware of all objectives, that can lead to other financial twist in the near future. Preparation for a clear path, for long term goals. Thank you”
“Each trustee was courteous and respectful, never making me feel incapable, and answered all of my questions, even suggesting a far more operative solution to my problems over going bankrupt. A very good and informative experience.”
“I made the experience to get the most ,respectful, provided and completed description for my case. All ways focused on the fact ,with, I hope for my case. Turning 73 years of age, paying 185,- monthly,,- for 60 months= 5 years,,still feeling very anxious!! .Thanks, H.G."”
“I was happy with the information I received. At the time of the initial call my cordless phone was dying. We tried to get all relevant information across to each other before it died. I had several questions after thinking for a while after our call ended and have not been able to get a hold of 'Jane' since our first call over a week ago.”
“Helped me out of an awful situation, divorce is never pretty, but the financial aftermath is like a double blow. I was able to move on with my life and look forward to the future.”
“Consumer Proposals can be intimidating - especially when all else seems so hopeless!! However, discovering that others are going through the same experience makes things easier to understand and stomach. The information provided gave us the confidence to change our lives!!”
“I was searching for information on my available options, due to my financial situation. After reading several posts on this website I was able to make an informed decision and am now experiencing much less stress in my life.”
“This is a great place if you need to know what happens during bk process and for tips and tools coming out successfully. You get support hope and guidance on a collegial level. Please keep posting even after you been through the whole process. Simply thank you”
“very informative, supportive. a place to go to find out information about credit ratings, applying for a credit card, loans, and what happens when you have completed your term.”
“I'm so glad I found this site. Not only has it provided me with some great advice, but it has made me realize I'm not alone in this, and has motivated me to take the best possible care of my finances. With the help of this site, I'm making a complete recovery from my past mistakes, and will never be in this situation again!”
“Your staff are professional. You have great interpersonal skills. You use technology but don't de-humanize the engagement with clients. I hope we can continue to do business with our new firm.”
“I was matched up with a very good Bankruptcy Trustee who helped me a great deal. Not only did she make the whole process very painless but I learned a great deal during our counselling sessions as well. I went in thinking that I don't really need any counselling because I got into trouble through several unexpected job losses and long breaks in between jobs. I didn't think it was anything I did wrong. I still feel that way but by keeping a really detailed Budget once I saw where all my money was going I was able to make a few rather simple changes that improved my situation a great deal. Even now, several months removed from my Bankruptcy, I'm still tracking all of my expenses the way and it is still helping.”
“The service provided it was suggested that I do a consumers proposal rather than an bankruptcy . The officials explained everything in detail and made it easy to understand. We had two counselling sessions that went well the official was always pleasant and easy to understand. It was explained what the payments would be and the payment when it would be taken out of my bank account. and when the final payment would be taken. The proposal was sent out to the creditors a few adjustments had to be made and then the creditors accepted the proposal and the payments have been made promptly ever since. At the end of every month the payment is taken out of my account and then dispersed to the creditors. I am thankful for all the help and support I received from Bankruptcy Canada.”
“I gave a list of all my creditors. My trustee walked me through the process of filing my business taxes and personal tax and gave me stragites to stay out of debt”
“Helpful getting me back on track. I now follow a budget to keep on track each month. This is a great way to get your freedom back. I usually have money left at the end of the month”
“I was shown respect, offered support and counselling. The situation was wage loss due to health but I learned so much more and I now have tools to survive in any walk of my life.”
“Thus far it's hard to rate the overall experience. I haven't had any contact with anyone since the proposal. However I'm never late on my payments and everythubg seems to be in order. Cheers, Rachel”
“I was treated with respect. Everyone was very kind. Everything was explained to me fully, and ensured that I understood, and was not overwhelmed. I am very grateful for the compassionate and professional management of my bankruptcy, during a very stressful time.”
“A Solution to a seemingly endless stressful situation! Quick telephone or email response to from my Bankruptcy team to answer my questions. They walked me through it all!”
“Made me feel like a person, who just needed a chance to get things right. She really made me plan for my future and set financial goals that are attainable. Thank you!”
“When I went I was very stressed. From the moment I sent the email I received timely and useful information. In a no judgemental environment I was given clear options and was supported in my decision. I was provided enough time without pressure to make my decision as well. I have been able to carry on in my financial goals and have been supported in every issue. I recommend this service to others. Thank you for the opportunity to comment.”
“I have always had prompt and efficient responses to my written requests as well as very efficient services when I had to make telephone inquiries. Jocelyne”
“They were helpful right from the first meeting,described what would happen and told us n laymen terms what would happen.They set up meeting right away.”
“I felt I was well informed about my choices and all the aspects of the process. My self confidence went up after the sessions. I was provided with knowledge and tools how to help my situation.”
“Went through all my finances Made the decision as to best handle my situation Met with financial advisor a couple of times for very helpful counseling My questions to date have all been answered Only half way through the program, but things are looking up”
“My bankruptcy trustee employees help me from the day one to understand what the bankruptcy is, how to go through the process and what to do to better manage my finances. All my questions were answered in professional manner and they were always there for me when I needed more help to better understand what is going on.”
“I was in need of financial guidance and support .The fact that I was willing to put in the effort and go through the steps , learn and adopt the lessons in day to day life helped. I appreciate the opportunity for a second chance, and will use it wisely.”
“Great, problem solved after telling the collection agency to take me to court and they never did. So no phone calls either from them since. Best regards,”
“Options were offered and excellent service and knowledge provided.Step by step process info and very professional. Made everything seem easy with out any problems and taking step by step with explanations. Very pleased and grateful through this sad time.”
- Robert S
I was very nervous but I was treated with respect and kindness in a very difficult situation
“Been such a great experience and relief that I can finally conquer my debts with the help of a trustee and the government. Thank you for being so clear, concise, helpful, and professional.”
“I lost a lifetime of savings and more.. when my children had to close their business due to a marital breakdown. I felt incredibly guilty and very, very stupid - never saw it coming until it was too late. The people I worked with were not only professional and informative, they gave me a second chance. I was able to forgive my daughter and once again enjoy the company of my youngest grandchildren.”
“All aspects of the process were pain free and exceptional except for having to go to Ottawa to sign the papers and have the trustee there, some people would find this hard to accomplish if they have no access to a vehicle or a way to drive 1.5 hours. Everything else was terrific, Donna was very professional and any questions were answered promptly and the process was explained well.”
“I was able to make informed choices after receiving detailed information from the website. I found the website very useful and easy to navegate. Phone numbers and links current. Thank you.”
“..they work with you and respect your true financial situtations. Hopefully i will never have to consider the only option i had ever again with there help”
“the gentleman that helped me was very knowledgeable and answered all my questions and gave me some good advice. I needed some questions answered about bankrupsty as a senior with limited income & credit card debit”
“I didn't feel judged, or belittled, and was part of the process in taking steps to improve my situation. I felt so much better after it was all done and am actually in a better position financially, now.”
“so far all is going great and I expect that at the end of my 9 months it will be the same. My trustee is fantastic! he has answered my questions and put me at ease while i am in bankruptsy”
“I am a senior and I was very fearful of the procedure , as I have never had to do this before . I found the whole thing very simple really and well handled by my trustee”