Insolvency Counselling
Debt Relief & Insolvency Counselling
Struggling with debt? You are not alone. We provide confidential, compassionate, and professional insolvency counselling to help you understand your options and take back control of your finances. Registered Insolvency Counsellor with the OSB since 2011.
Signs You May Need Help
How We Can Help
Financial Assessment
A comprehensive review of your financial situation to understand the full picture and identify the best path forward.
- Complete debt inventory
- Income and expense analysis
- Asset and liability review
- Cash flow assessment
- Credit report review
- Personalized options report
Debt Management Guidance
Practical strategies to manage and reduce your debt load without formal insolvency proceedings.
- Debt consolidation options
- Creditor negotiation guidance
- Debt repayment strategies
- Budget creation and coaching
- Interest reduction strategies
- Informal debt settlement guidance
Consumer Proposal Counselling
Guidance through the consumer proposal process — a legal alternative to bankruptcy that lets you settle debts for less than you owe.
- Consumer proposal explanation
- Eligibility assessment
- Proposal preparation support
- Creditor vote guidance
- Required counselling sessions
- Post-proposal financial planning
Bankruptcy Counselling
Compassionate guidance through the bankruptcy process, including mandatory counselling sessions required by the OSB.
- Bankruptcy process explanation
- Eligibility and consequences review
- Mandatory counselling sessions (Session 1 & 2)
- Asset exemption guidance
- Discharge process support
- Credit rebuilding after bankruptcy
Budget & Financial Coaching
Build the financial habits and skills needed to stay debt-free and achieve your financial goals after resolving your debt.
- Monthly budget creation
- Spending habit analysis
- Emergency fund planning
- Savings goal setting
- Credit rebuilding strategies
- Long-term financial planning
CRA Debt & Tax Arrears
Guidance on managing Canada Revenue Agency debt, tax arrears, and payment arrangements.
- CRA debt assessment
- Payment arrangement guidance
- Voluntary disclosure program
- Tax arrears negotiation support
- CRA collections guidance
- Integration with tax filing services
The Counselling Process
Confidential Assessment
We review your complete financial picture — income, debts, assets, and expenses — in a private, judgment-free setting.
Options Review
We explain all available options clearly: debt management, consumer proposal, bankruptcy, and alternatives.
Guidance & Support
We guide you through the chosen path, helping with paperwork, creditor communication, and required counselling sessions.
Fresh Start
We help you build a budget and financial plan so you can move forward with confidence after resolving your debt.
Why Seek Help Early?
- Early action gives you more options and better outcomes
- Registered Insolvency Counsellor with OSB since 2011
- Confidential — your situation stays private
- Bilingual service — English and Spanish
- Non-judgmental, compassionate approach
- We explain every option so you can make an informed decision
Licensing Disclosure
Insolvency counselling is provided by German Salamanca Ortega, Registered Insolvency Counsellor with the Office of the Superintendent of Bankruptcy (OSB) since 2011.
There Is a Way Forward. Let Us Help.
Book a confidential consultation today — no judgment, just solutions.