2009-03-17
Your first consultation with our office is completely free, and it's a great opportunity to explore your options. To make the most of this meeting, it helps to bring as much accurate information as you can. We understand that you're just getting started, and we’re here to help guide you through the process.
To have the most productive conversation, try to bring details these three key areas:
Please bring a list of all your debts, including:
Even if you're unsure of the exact amounts or whether certain debts (such as student loans) might be affected by a bankruptcy or proposal, include them anyway. The more complete the list, the better we can help.
Different provinces have different rules about which assets are protected from creditors. To help us understand your situation, please bring a list of what you own and an estimate of each item’s value. You don’t need to list every piece of furniture, but do include things like:
At a minimum, we’ll need to know:
If you’re self-employed or don’t have a regular income, bring an estimate of what you expect to earn going forward. A rough income and expense summary for your business can also be helpful. Be sure to mention any special expenses, such as:
2025-06-19
With the school year beginning and thousands of Canadian students beginning a new semester of post-secondary studies, all those hard-earned dollars from summer gigs are now being applied to tuition, books, transportation, housing, and supplies.
2025-06-18
The cost of daily goods has been rising over the past few years — increasing the price of food, gas, clothing, and many other essential items that Canadians need in their day-to-day lives.
2025-06-16
Bankruptcy Alternatives to Bankruptcy
Let’s review what a Consumer Proposal is, as well as the pros and cons of filing a Proposal, to help you determine if it’s the right solution for your unique situation.
