PERSONAL
We can help you understand the options available to you in order to avoid bankruptcy.

These options include:

• Helping you in budgeting
• Providing debt counselling
• Assisting in debt consolidation loans
• Informal or formal arrangements with your creditors, whereby they voluntarily accept less than the full amount you owe them

All of these services are designed to bring you back to financial health and to relieve the stress you are under. The benefits to you include:

• Stopping harassing calls from debt collectors
• Coming out from under garnishments
• Being able to live better than just hanging on from one payday to the next
• Improved credit rating
• Improved health and well being

Links:

• Dealing with Debt: A Consumer's Guide
• Debt Relief Worksheet
  • Printable worksheet (PDF)
  • MSWord version
• Repair Your Credit
• CBS Early Show on the Dangers of Debt Settlement

CORPORATE
Whether you are a small business, an entrepreneurial corporation, a multi-faceted complex organization, a lender or an unsecured creditor, our experienced team can assist you in solving problems in your financially challenged environment.

We act as trusted business advisors, our services in the corporate marketplace include:

• Business viability reviews
• Advisors in troubled loan situations
• Rehabilitation of troubled companies including Turnaround Management
• Chief Restructuring Officer
• Restructuring under either the Companies' Creditors Arrangement Act or the Bankruptcy and Insolvency Act
• Liquidator, Interim Receiver, Receiver and Manager or Trustee in Bankruptcy

Links:

• Director liability
• The Power of Restructuring – staying ALIVE – interview with Ira Smith – CA Magazine, August, 2009