How We Can Help
Facing overwhelming debt isn’t just a financial issue—it’s an emotional one. It impacts your sleep, your relationships, and your confidence. If you’re reading this, you’re likely searching for a solution that restores control, protects what matters, and brings peace of mind back into your life.
This guide explains how we help people in situations just like yours—clearly, compassionately, and without judgment. Whether your goal is to reduce payments, stop interest, protect your assets, or end wage garnishments and creditor calls, there are proven, legal pathways to relief. Below, we’ll walk through what you can look forward to with the right plan in place.
What You Can Look Forward To
1. One Monthly Payment—Simplified, Predictable, and Achievable
Managing multiple minimum payments across several credit cards, lines of credit, payday loans, and other debts is exhausting. The late fees pile up, interest snowballs, and it can feel like you’re running just to stay in place. One of the most powerful changes we bring is consolidation into a single monthly payment tailored to what you can actually afford.
What this means for you:
Budget clarity: One payment replaces many. No more juggling due dates and minimum amounts.
Cash-flow relief: Your monthly payment is calibrated to your income and assets.
Automatic progress: Every payment moves you forward—no more cycling interest-only payments that never reduce principal.
Less stress: You’ll know exactly what comes out of your account each month, and when you’ll be debt-free.
How we get there: We review your full financial picture—income, essential expenses, family needs, and debts. From there, we build a plan with a realistic payment that fits your life. For many clients in Ontario, that plan is a Consumer Proposal (a legally binding settlement with creditors) or a bankruptcy where necessary. In both cases, payments are orderly, affordable, and finite—with a clear end date.
2. Assets Protected—Keep What Matters Most
One of the biggest fears people have is: “Will I lose my car? My RRSP? My home?” In most cases, your key assets can be protected—especially with a Consumer Proposal.
What this means for you:
Home: If you have equity, we discuss options. Many clients keep their homes, as proposals don’t force the sale of property. We’ll explore refinancing only if it serves your goals.
Vehicle: If you’re making car payments and want to keep the vehicle, that’s usually possible. If your car is owned outright, provincial exemptions often protect it up to a certain value.
RRSPs & pensions: In Canada, RRSP contributions older than 12 months are generally protected. Employer pensions are typically protected too.
Personal belongings: Household items, tools of your trade, and certain personal assets are often covered by provincial exemptions.
How we secure asset protection:
We’ll help you choose the right option (often a Consumer Proposal) that lets you keep your assets while reducing what you owe.
If bankruptcy is ultimately the cleanest path, we’ll explain what’s exempt, what isn’t, and how to minimize disruption.
The goal is straightforward: protect what you’ve built while resetting what you owe.
3. No Interest—Stop the Spiral, Start the Climb
High interest is the engine that drives stress. When most of your payment goes to interest—not principal—debt can feel endless. With a properly structured plan, we can eliminate ongoing interest on your unsecured debts.
What this means for you:
Your payment goes to principal, not interest.
Your debt is finite, with a clear end date—no more open-ended revolving credit.
You’ll see real progress on your balances every month.
How we make it happen:
In a Consumer Proposal, once creditors agree, interest stops on included unsecured debts.
In bankruptcy, unsecured debts are discharged according to the process—again, no ongoing interest accrues on included debts.
This single change—no interest—can reduce the total amount you pay by thousands and shorten the time to freedom dramatically.
4. Creditor Calls Stopping—Relief from the Noise
Constant calls and emails from creditors and collection agencies can be draining. We put a legal shield between you and those calls.
What this means for you:
Calls and collection actions stop after your proposal or bankruptcy is filed.
Creditors must communicate through the proper legal process, not directly with you.
Your home becomes a place of calm again.
How it works legally:
In Canada, filing a Consumer Proposal or bankruptcy triggers an automatic stay of proceedings. That’s legal language for: creditors have to stop collection attempts, including calls, texts, emails, and lawsuits related to the debts included in your filing.
You shouldn’t have to manage harassment while you’re trying to build a solution. We handle that part for you.
5. Stop Wage Garnishments—Regain Your Paycheque
If your paycheque is being garnished, the urgency is real. Garnishments can make everyday living impossible. The good news? Garnishments tied to unsecured debts can be stopped by filing a Consumer Proposal or bankruptcy.
What this means for you:
Your employer receives notice to stop the garnishment after filing.
Your take-home pay returns to normal, so you can cover rent, groceries, and essentials.
We coordinate directly with the appropriate parties to ensure the garnishment ceases promptly.
Important note: Some debts (like child support or certain government fines) aren’t affected by these protections. We’ll review your specific situation and lay out precise next steps so there are no surprises.
What the Process Looks Like—Step by Step
We believe in keeping things simple, transparent, and supportive.
Free Confidential Consultation
We listen. You share what’s happening—debts, income, garnishments, calls, and your goals. No judgment. Just clarity.Customized Plan Options
We present your options with numbers: anticipated monthly payment, timeline to completion, which assets are protected, and the impact on your credit. You’ll know exactly what to expect.Immediate Relief
Once you decide, we file the appropriate plan (often a Consumer Proposal). This triggers the automatic stay, stopping collections and garnishments.Affordable Monthly Payment
You make one payment. We administer the plan, manage creditor communications, and keep you updated. You focus on living your life.Completion & Fresh Start
When you’ve completed your payments, remaining unsecured debts included in the plan are legally settled or discharged. You’ll receive documentation confirming the outcome and guidance on rebuilding credit.
Realistic Scenarios: What This Could Look Like For You
Scenario A: The $45,000 Turning Point
You have $45,000 in unsecured debt across credit cards and a line of credit. Minimum payments total ~$1,200/month, but balances aren’t dropping due to interest. We propose a Consumer Proposal at $275/month for 60 months, zero interest, and creditor calls stop immediately after filing. You keep your car (still making your auto loan payments) and your RRSP remains protected. Total paid: $16,500 vs $45,000+ with interest—and your stress drops fast.
Scenario B: Wage Garnishment Relief
You’re being garnished 20% of your net pay over a past credit card judgment. After filing, the garnishment stops. We set a single manageable payment, and you regain control of your budget the very next pay period.
Scenario C: Protecting Your Home
You have equity in your home and want to avoid selling. A Consumer Proposal lets you keep your home while settling unsecured debts. Your mortgage remains in good standing, and your proposal payments fit your monthly budget.
Every situation is unique—but the outcomes above are common and achievable.
What Will This Do To My Credit?
It’s a fair question. Any formal debt relief program will affect your credit in the short term. But the long-term impact is positive—because you stop negative reporting, eliminate balances, and rebuild intentionally.
Short-term:
A Consumer Proposal appears on your report during the term and for a period after completion.
Bankruptcy reports longer than a proposal.
Long-term:
Once your debts are discharged, your debt-to-income ratio improves, and you can rebuild using secured cards, installment loans, and on-time payments.
We discuss a credit rebuild roadmap tailored to your goals (mortgage-ready, car financing, etc.).
The alternative—continuing with missed payments, collections, and ballooning interest—usually harms credit more and for longer. A structured reset is a path back to strong credit.
Frequently Asked Questions
Q: Will all creditors accept a Consumer Proposal?
A: Creditors vote on proposals. Most proposals are accepted when the offer is reasonable compared to what they would recover in bankruptcy. We design proposals that maximize acceptance likelihood.
Q: What debts are included?
A: Typically unsecured debts: credit cards, lines of credit, payday loans, old utility bills, personal loans. Some debts (like support payments, certain fines, and recent RRSP contributions) are treated differently or excluded. We’ll go through your list line by line.
Q: Can I keep using my bank account?
A: Yes, but we may recommend adjustments (e.g., moving everyday banking if you owe your current bank) to keep things clean and avoid set-offs.
Q: What about my car and mortgage?
A: If you’re current and want to keep them, you usually can. These are secured debts and treated differently. We’ll plan your proposal around keeping you in your home and car whenever possible.
Q: How fast do creditor calls and garnishments stop?
A: Immediately after filing, the legal stay takes effect. We send notices quickly to ensure compliance. You’ll feel relief right away.
Why Choose Us
Empathy first: Debt happens to good people. We treat you with respect at every step.
Local expertise: We understand Ontario rules, exemptions, and creditor expectations—and we use that to your advantage.
Transparent numbers: No vague promises. We show the math, the timeline, and the trade-offs.
Full-service support: From stopping garnishments to rebuilding credit, we’re with you from first call to completion.
Your Next Step
If you’re ready to see what one monthly payment, protected assets, no interest, and stopped calls and garnishments could look like in your life, we can start with a no-pressure, confidential consultation. Bring your list of debts, pay stubs, and a rough budget. We’ll do the rest—calmly, clearly, and quickly.
You’ve carried this long enough. The path to relief is straightforward, legal, and available right now. Let’s take the first step together.
Quick Checklist (Save This)
✅ List your debts (creditor name + balance)
✅ Gather last 2 pay stubs
✅ Note essential monthly expenses (rent/mortgage, utilities, food, transport)
✅ Identify any garnishments or judgments
✅ Book your confidential consultation
Disclaimer: The information above is for general educational purposes and applies broadly within Canada/Ontario. Every case is unique, and certain debts (e.g., support, some fines, recent RRSP contributions) may be treated differently. We’ll provide tailored guidance once we review your specific situation.