Take Control of Your Financial Future

We provide compassionate, personalized insolvency support with over 30 years of trusted service. Guiding you to a brighter financial future.

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Years of Combined Experience
0 +
Confidential Consultations
80 %

Serving Ontario communities including Grey Bruce, Owen Sound, Dufferin, Simcoe, and Wellington.

Our Services

Bankruptcy Filings

Navigate the bankruptcy process smoothly with professional guidance. We help individuals and businesses manage bankruptcy filings, ensuring complete legal compliance and compassionate support every step of the way.

Consumer Proposals

Explore alternatives to bankruptcy by negotiating manageable repayment plans with creditors. Our personalized approach helps protect your assets and rebuild your financial stability.

Financial Counselling

Gain control of your finances with strategic advice tailored to your situation. Our counselling services provide practical tools to help you budget effectively and avoid future debt issues.

Stop Collection Calls &
Wage Garnishments

Put an end to creditor harassment, threatening phone calls, and wage garnishments. We help you take back control by legally stopping collection actions, giving you the breathing room to focus on your financial recovery. Start your path to peace of mind and lasting debt relief with support you can trust.

Comprehensive Debt Solutions

Whether you’re struggling with credit card debt, tax debts, bank loans, lines of credit, overdraft, student loans, or entrepreneurial financial challenges, you’re not alone. We offer solutions that help you move forward confidently.

Call now for your FREE consultation.

No obligation. Just clear, compassionate guidance from an Ontario Licensed Insolvency Trustee.

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Testimonial Highlight

What Ontarians Are Saying

I worked with Kimberley Stewart for 15 years, from 2009 until my retirement at the end of 2023.  Kimberley has always held the highest standards when dealing with the public, she doesn't judge anyone and will do her utmost to assist anyone with their financial issues. She truly cares about the clients she deals with. She is a true professional, she sees the best in everyone. I found her to be hardworking, ready to reply to any inquiry.
Joe Bette
Joe BetteSenior Insolvency Administrator
Kim is very professional, the one on one service is outstanding. Kim was able to address my issue within a couple of days. Very comfortable environment and Kim truly enjoys helping people. I highly recommend this company.
Brian

Our Proven 3‑Step Path to Financial Freedom

Step 1:
FREE, Confidential Consultation

Book a no‑obligation meeting with our Ontario Licensed Insolvency Trustee. We review your complete financial picture, answer questions about bankruptcy and consumer proposals, and explain your rights. All in a secure, judgement‑free setting.

Step 2:
Personalized Debt‑Relief Plan

After analysing your income, debts, and goals, we design a tailored strategy that may include a consumer proposal, bankruptcy filing, or custom repayment program, aiming to lower stress, safeguard your assets, and balance the interests of all stakeholders, including creditors, you, and your family.

Step 3:
Ongoing Support to Rebuild Credit

Our work includes financial counselling sessions, budgeting tools, and proven credit-rebuilding techniques, all delivered up to the completion of your proposal or discharge. After that point, you’ll have the resources and guidance you need to move forward on your own.

Ready to take the next step?

Book a FREE consultation today.

F.A.Q.

Does my spouse have to file a bankruptcy or a consumer proposal with me?

Not necessarily. Your debts are yours alone, even if you are married or in a common‑law relationship. Both spouses may only need to file together when joint debts exist, as each partner can be affected by the filing.

Bankruptcy payments depend on your income and family size. The Office of the Superintendent of Bankruptcy issues surplus income standards that determine how much you must pay. During your consultation, the Licensed Insolvency Trustee reviews your income, calculates any surplus income payments, and explains how your assets are treated and which items are exempt from seizure.

  • First‑time bankrupt (no surplus income): Eligible for discharge 9 months and 1 day after filing.
  • First‑time bankrupt (with surplus income): Eligible for discharge 21 months and 1 day after filing.
  • Second‑time bankrupt (no surplus income): Eligible for discharge 24 months and 1 day after filing.
  • Second‑time bankrupt (with surplus income): Eligible for discharge 36 months and 1 day after filing.

Bankruptcy is a legal process that stops collection actions and can eliminate most unsecured debt. To qualify, you must be insolvent:

  1. Owe at least $1,000.00.
  2. Cannot pay debts as they become due.
  3. Have debts exceeding the value of your assets.

A consumer proposal is a legally binding agreement arranged through a Licensed Insolvency Trustee that lets you repay an agreed‑upon portion of your debt over time without interest. You make one affordable monthly payment to the Trustee, who distributes the funds to your creditors. The Trustee’s fees are set by the Bankruptcy and Insolvency Act and are already included in that payment, so no extra charges are added.

The term is tailored to your situation and cannot exceed five years under the BIA.
No. Section 178(1) of the BIA lists debts that cannot be extinguished, including:

  • Child or spousal support
  • Court fines and restitution orders
  • Certain student loans (dependent on last study date)

The Trustee will clarify any non‑dischargeable debts during your consultation.
Yes, bankruptcy or a proposal will appear on your credit report and impact your rating. Your Trustee will guide you on rebuilding credit after filing.