Licensed Insolvency Trustees in Ontario
🛡️ OSB Regulatory Notice (Ontario): Under Canadian federal law, only a Licensed Insolvency Trustee (LIT) registered with the Office of the Superintendent of Bankruptcy (OSB Canada) can file and administer a Consumer Proposal or Personal Bankruptcy. Unregulated debt settlement agencies and credit repair firms cannot grant legal protection or issue a Stay of Proceedings under the Bankruptcy and Insolvency Act (BIA). All trustees listed in this directory are fully licensed officers of the court serving Ontario residents.
If you are struggling with unmanageable debt, wage garnishments, or CRA collection actions in Ontario, meeting with a **Licensed Insolvency Trustee (LIT)** is your first step toward complete financial recovery.
Ontario LITs offer **100% free, confidential initial consultations** to review your finances, explain provincial asset exemptions under the Ontario Execution Act, and help you determine whether a Consumer Proposal or Personal Bankruptcy is your best option. Use our interactive map and trustee locator below to find an OSB-licensed trustee near you.
Find an OSB Licensed Insolvency Trustee in Ontario
Search by postal code or city to view nearby office locations, directions, and contact details:
Ontario Insolvency & Debt Relief Offices
Serving GTA, Ottawa, Hamilton, London, Kitchener-Waterloo, Niagara, & Northern Ontario
Available Services: Consumer Proposals (up to 80% debt reduction), Personal Bankruptcy, CRA Tax Debt Restructuring, Emergency Wage Garnishment Stays, and Unsecured Debt Consolidation.
Consultation Options: Local in-person office consultations, confidential phone evaluations, and secure virtual video sessions with remote e-signing across all Ontario municipalities.
What Happens During Your Free Trustee Consultation in Ontario?
Your first consultation with an Ontario Licensed Insolvency Trustee is 100% confidential and carries zero obligation:
1. Complete Financial Review
The trustee reviews your household income, monthly budget, total unsecured debt, and assets to provide an accurate assessment of your options under Ontario law.
2. Ontario Asset Exemption Check
Your LIT determines how much equity in your primary vehicle, home, tools of trade, or personal property is protected under the Ontario Execution Act.
3. Comparison & Custom Savings Plan
The trustee calculates your exact monthly cost for a Consumer Proposal versus Personal Bankruptcy, allowing you to choose the debt relief solution that fits your budget.
Frequently Asked Questions About Ontario Trustees
Are Licensed Insolvency Trustees in Ontario paid directly out of pocket?
No. Your initial consultation with an LIT is completely free. Trustee fees are federally regulated tariff rates that are drawn directly out of your agreed monthly Consumer Proposal or Bankruptcy estate payments. You never receive a separate bill from a trustee.
Can I complete my insolvency filing virtually in Ontario without visiting an office?
Yes. OSB directives permanently permit Licensed Insolvency Trustees in Ontario to conduct consultations, identity verifications, signing, and mandatory credit counselling sessions via secure video conference and electronic signature platforms.
What is the difference between a credit counsellor and a Licensed Insolvency Trustee?
Credit counsellors can only arrange voluntary repayment plans (DMPs) where you pay back 100% of your principal debt without legal protection. Only an OSB-registered Licensed Insolvency Trustee has the legal authority to administer Consumer Proposals (slashing debt by up to 80%) or Personal Bankruptcy and issue a legally binding Stay of Proceedings to stop lawsuits and garnishments.
Connect with an Ontario Trustee Today
Speak directly with an OSB-Registered Licensed Insolvency Trustee in Ontario. Stop CRA garnishments, erase unmanageable debt, and protect your home and assets.
- 100% Free Consultation
- Strictly Confidential
- Virtual & Local Options
Find Your Personal Debt Relief Solution
Licensed Insolvency Trustees are here to help. Get a free assessment of your options.