Are you...

• An individual or family owing in excess of $10,000 of unsecured debt?
• Considering consolidating your debts?
• Charging more each month than you pay on credit?
• Unable to meet your monthly minimum debt service payments?
• Worried about losing your home?!!!
• Having sleepless nights worrying about paying your bills?

Would you...

• Prefer to AVOID BANKRUPTCY? Would you like to improve your credit rating?
• Have available cash flow to warrant a repayment schedule (at 0% interest) over 36 to 48 months?
• Like to relieve stress, reduce debt and take control of your finances?
• Have perfect credit again? Obtain a program to improve your credit standing?

If you have answered yes to any of these questions - YOU CAN BE HELPED.

My goal is to prevent personal bankruptcy, the elimination of debt and the relief of financial stress. In many circumstances, bankruptcy can be avoided, if private consulting is received during the early stages of financial difficulty.

Services include:

• Private confidential consulting regarding your situation
• Pursuing the "best possible solution" for the client, consulting on all consumer options including, informal proposals, consumer proposals and Bankruptcy.
• Debt settlement assessment with the ability to deal with almost all types of debt
• Helping you regain control of your future and your financial freedom
• Personal and family budget evaluations
• Reducing stress by relieving you from having to deal with creditors
• Dealing directly with creditors and arranging for protection on your behalf
• Creditor negotiations and settlements
• Refinancing recommendations

In most cases, a “Proposal” will be suggested, either informal proposal or formal proposal (Consumer Proposal or Division 1, Part 3 proposal,) which is simply an agreement between a debtor and his creditors, whereby the debtor pays only a portion of his debts, thus avoiding bankruptcy wherever possible. And if you own a home, and there is some equity available to tap into, I will use this equity so that a full settlement of your debts can be negogiated with all your creditors.