Bills, Bills, Bills

We all have them, mortgages, rent, utilities, car payments, credit cards bills, student finance loans, pay day loans, lines of credit, whatever; sometimes we can handle them and sometimes they can be over whelming. Many different situations, many solutions.

Which One Sounds Like You?

Are you robbing Peter to pay Paul, asking Paul to wait till payday so you can give Pat a partial payment? You’re not alone; Canadians owe over One Trillion Dollars.

Are you always struggling to get to payday at the end of the month? No money for gas and little on the table for dinner?

Is interest on your minimum payments eating up the majority of your payments and you never reduce the balance?

Does the fine print on your credit card statement show it is going to take 25 years to pay off the balance even if you never charge another thing?

Have you transferred a balance from one credit card to another to take advantage of a lower interest rate and still not been able to pay off the balance before the rate increased again?

Do you have a good job, steady income, and the banks are still not willing to help with a consolidation loan?

Do you make good income but never seem to be able to get ahead of the payments? Bankruptcy not an option?

You’re Not Alone – We Can Help

These problems are all different yet they all deal with the same issue, financial problems. We have all been there at one time or another. Maybe it was temporary while you were between jobs, maybe a health issue or car accident caused you to be unemployed for a period of time. Perhaps a divorce or a tax assessment cost you your savings. Maybe your wages are not keeping up with the cost of living.

The reason really doesn’t matter; the fact is you need help and we are here to help you.  There are almost as many different solutions to financial problems as there are causes. We have seen them all and been able to provide solutions for every single one.  We won’t judge, or make you feel bad for getting into a situation that may have been outside your control. We are here to help you find a solution and move forward with life.

No Fees.  No Interest.

Depending on your income and your debts, and what your personal situation is we may recommend a repayment plan, some financial counselling or even a bankruptcy if that is the best solution for you. We assess the entire situation with you before making any suggestions. One size definitely does not fit all.  A repayment plan can relieve you of any further interest on your debts, and possibly settle them for an amount less than you currently owe. We will work with your creditors to arrange a payment plan that makes sense for you and allows you to get on with life and out from underneath the crippling debt. You don’t pay any additional fees to us for arranging this with your creditors. No interest, no fees, and possibly a lower amount to re-pay; this is not only possible it is true, this is what we do.

At this point in your life, if even a repayment plan is more than you can handle and you can barely make do, without an extra payment, perhaps a bankruptcy is the solution for you to get out of the vicious cycle of debt.  Sometimes it is exactly what the honest debtor needs to do to get a fresh start.  If life changes and a payment is possible on a repayment plan while you are in the bankruptcy process, we can work with you and your creditors on a repayment plan and wipe the bankruptcy from your record.   We have arranged this for many clients who have just needed a break from the unrelenting interest and debt to get on their feet and who can manage a payment on a repayment plan once the dust settles and the cycle is broken.

Get Advice & Help From A Insolvency Trustee

Lots of problems, lots of solutions. Do we have a solution for you? It only takes a phone call or an email to find out. We understand that that first call is hard to make, we also understand you might be embarrassed by this situation and that it might not be your fault.

Remember, we have helped thousands of people in exactly the same situation, we don’t judge you and we will work really hard to find the right solution for you. Let’s move forward together and get you started on the road to financial freedom from debt.