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	Your financial situation is out of control or your financial troubles may have reached an unrecoverable state and you are considering declaring personal bankruptcy. The decision to declare bankruptcy or enter into a Consumer Proposal is not easy and may affect your life negatively.

If you don’t know the answers to these questions concerning the Bankruptcy and Insolvency Act, get informed and make the right choices. What you need is a Bankruptcy and Insolvency Counsellor that will help you understand your options under the Bankruptcy and Insolvency Act and help you make an informed decision.

We can counsel you in your Pre-Bankruptcy and Post-Bankruptcy states:

Pre-Bankruptcy Counselling:
You are experiencing or anticipating severe financial difficulty and wish to know what your options concerning bankruptcy or consumer proposals are in order to make informed financial decisions.  We can review your financial situation and explain the impact of your choices in relation to your assets, liabilities, income and expenses.  We can also recommend a bankruptcy trustee where the need arises.

Post-Bankruptcy Counselling:
Our Bankruptcy and Insolvency Counsellors are certified by Industry Canada to provide the mandatory counselling sessions required by insolvent debtors to discharge their bankruptcy or consumer proposal.  We provide these counselling sessions individually and not in groups.  We provide free follow-up until discharged.