Our free consultation covers all types of unsecured personal and business debt, including credit cards, bank loans and overdrafts, lines of credit, payday loans, student loans (minimum 7 years old), personal and business taxes, CEBA loans, and shortfalls on surrendered assets like a home or vehicle. If you're unsure whether your debt qualifies, call us — we'll tell you exactly where you stand at no cost.

It depends on the solution we recommend. With a Consumer Proposal, your credit report is updated once your proposal is accepted and payments begin — typically within a few months. After you complete the proposal and fulfill its terms, the notation is removed from your credit bureau after 3 years. Active steps like eliminating collections, stopping interest accumulation, and reducing your total debt load all contribute to score recovery over time. Most clients begin seeing measurable progress within 12–24 months of starting a structured plan.

Yes, completely free. There is no obligation, no upfront cost, and no pressure. We've been helping clients since 2001, and our first goal is always to make sure you understand your full range of options before making any decision.

We serve clients across the GTA, Edmonton, and Calgary, and consultations can be conducted by phone or in person at our Brampton head office. We work with your schedule and your comfort level.

No. Your consultation is completely confidential. Nothing is filed, reported, or communicated to any creditor until you decide to move forward with a formal solution — and only then with your full knowledge and consent.

A Consumer Proposal lets you settle your debt for less than the full amount owed — often significantly less — while keeping your assets and avoiding bankruptcy on your record. Bankruptcy is a more serious legal step that may require surrendering certain assets. We walk you through both options so you can make the right choice for your situation.