We Are Not Here To Judge You, But To Help You Become Debt Free

Did you know that money is the most common source of stress among Canadian adults?

Studies suggest that over 40% of adults consider money worries their most significant stressor, with 51% of people admitting to being embarrassed about their financial situation.

We often assume that getting into debt is a form of failure, but it’s critical to understand that anyone can find themselves in this situation.

Life can be unpredictable and circumstances can change in an instant.

If you are finding it tough to make ends meet, or you’re worried about your debts mounting, we are here to help, not to judge.

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We are not here to judge you, but to help you become debt free

It’s daunting to ask for help in any scenario.

Many of us are fearful of sharing concerns, even with our nearest and dearest, we put off going to the doctor or dentist even if we don’t feel great, and we shy away from potentially awkward conversations with bosses and colleagues.

It can be a scary prospect to admit that you’re struggling with soaring debts, but it’s so crucial to realise that there is support available.

You don’t have to try and find a solution on your own or worry about what a bankruptcy trustee or a credit counsellor will think when you approach them for advice.

We are here to help you find a way to get out of debt, not to judge you because you’re experiencing money worries.

A 2019 survey revealed that almost half of Ontarians were embarrassed to seek help for debts.

The trouble is that debts don’t just go away.

If you don’t take that first step and reach out, there’s a real risk of losing control.

It’s so important to understand that there are people who are on your team.

There is a way out, and we can help you find it.

Getting out of debt

Some people assume that there’s no way back once they start receiving calls from creditors or opening threatening letters.

The truth is that there are several solutions that can be employed to reduce, repay or eliminate debts.

If you speak to an advisor and seek help, you might be surprised at the range of options open to you, and hopefully, you’ll be reassured that there is a viable solution out there for you.

Depending on your individual circumstances, it may be possible to draw up a repayment plan, to take out a debt consolidation loan, to negotiate a payment plan with specific creditors, or to file a consumer proposal.

If you’re finding life difficult, don’t hesitate to get in touch and talk to us about your situation.

We’re confident we can find a way forward.


Many of us are reluctant to seek help because we’re worried that others will judge us.

When it comes to tackling debts, the sooner you reach out, the better.

We are not here to put you down or make you feel like you’ve made mistakes.

We’re here to help you, to show you that you’re not alone and to enable you to start looking to the future with a positive mindset.

Call now to speak to one of our friendly advisors.

Information on Consumer Proposals

Consumer Proposals in Canada – An Alternative to Bankruptcy
What is a Consumer Proposal?
How to Amend a Consumer Proposal
What are the Benefits of a Consumer Proposal?
What are the Steps in a Proposal?
Consumer Proposal Eligibility
What Debts Are Erased in a Consumer Proposal?
Is There Life After a Proposal?

Canadian Bankruptcies

How to File for Bankruptcy
What is Bankruptcy?
Bankruptcy FAQs
How Does Bankruptcy Work?
What is the Cost of Bankruptcy in Canada?
How to Rebuild Credit Following Bankruptcy
Personal Bankruptcy in Canada
What Debts are Erased in Bankruptcy?

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