The Process

We will collect personal and financial information from you – your name, address, monthly income and living expenses, assets that you own and debts that you owe. etc. This can be done personally with one of our Trustees or please feel free to complete our fillable “Debtor Information Form” attached.

The Trustee will then review this information in detail with you and will advise you of all solutions that are available to you and whether they are applicable to your circumstances. The Trustee will ensure that you understand the advantages and disadvantages of each alternative to enable you to make an informed decision on the best route for you to become debt free

If you decide that you wish to proceed with filing a bankruptcy or consumer proposal, we will set up a second appointment to sign the necessary paperwork in our Hamilton, Burlington or St. Catharines offices or you may sign virtually if it is easier for you. Depending on information available, we can usually prepare documents for signature within a few days, however this can be expedited depending on your personal circumstances (for example you may have a pending wage garnishment or lawsuit, threatening phone calls, etc.)

The signed documents are then filed with the Office of the Superintendent of Bankruptcy which stops any legal action by creditors to collect their debt.