Frequently Asked Questions

We have a variety of debt services available to suit the needs of each individual. Our expertly trained staff will give you a list of options best suited to your particular circumstances, and we will help guide you towards making the best decision for you.

We do charge a fee for our services, but it is incorporated into the repayment for whichever program you decide is best for you. Also, no matter which route you choose to take, your financial freedom is our utmost concern, so in most cases we can also break down the payments into smaller more manageable portions over a longer period of time.

Once you obtain our services, the collection calls and garnishing of wages will stop completely. Your creditors will legally no longer be allowed to contact you.

Depending on each individual situation, we will assess the correct route for you to take which would help protect the assets that you already have. For example, a Consumer Proposal would allow you to keep your house if you qualify for the program. But with Bankruptcy, you would be expected to pay any net equity which you have in your home. All the options would be fully discussed with you so that you were comfortable with the outcome and feel rest assured that any valuable belongings were safe.

This depends on your individual circumstances and which program best suits your needs. Our advisors will give you all the available options and timescales available to you, so that you can make an informed decision based on all the information.