One of their new approaches has been to become a referral source to specific
Licensed Insolvency Trustees for consumer proposals.
To learn more about the proposal process and how it would affect you, we suggest you contact
a Licensed Insolvency Trustee for a free, confidential consultation.
To determine whether or not your RRSP is locked in, or whether or not you would lose your RRSP in bankruptcy, you should gather all of the paperwork related to the RRSP, and contact
a Licensed Insolvency Trustee for a free consultation.
The Preparation Before all else, meet with
a Licensed Insolvency Trustee for help.
Don't believe everything you read on a Facebook page, contact an expert,
a Licensed Insolvency Trustee for the real answer in your situation.
If you're retired, or heading into retirement and you're in debt, you should contact
a Licensed Insolvency Trustee for advice.
All of the steps in the previous section (with the exception of the upfront fee contract) from reviewing your budget and financial situation, to helping you review all your options, and preparing the paperwork will be done by
a licensed insolvency trustee for free.
Not exact matches
Licensed insolvency trustees regularly see people who manage to meet their mortgage payments
for months, even years, while the rest of their fiscal house falls down around them.
If you feel making a consumer proposal in Ontario is the right debt solution
for your debt problems your next step is to speak with a
Licensed Insolvency Trustee.
Brian McIlmoyle is the
Licensed Insolvency Trustee managing
for our Mississauga and Toronto Danforth locations.
If you would like more information about consumer proposals in Greater Vancouver or need help figuring out if you qualify, a simple next step is to get in touch with Westgeest & Associates, your gov» t
Licensed Insolvency Trustee,
for an individual, private conversation, assessment.
For more details on bankruptcy exemptions in your province and for answers to your other questions about bankruptcy and consumer proposals, please contact our personal Licensed Insolvency Trustee in your area and arrange for an initial consultation, free of char
For more details on bankruptcy exemptions in your province and
for answers to your other questions about bankruptcy and consumer proposals, please contact our personal Licensed Insolvency Trustee in your area and arrange for an initial consultation, free of char
for answers to your other questions about bankruptcy and consumer proposals, please contact our personal
Licensed Insolvency Trustee in your area and arrange
for an initial consultation, free of char
for an initial consultation, free of charge.
The legal procedure allows you to settle your financial obligation
for less than you owe with the help of a gov» t
Licensed Insolvency Trustee, by discussing, formulating and implementing a compromise (deal) with your creditors while under court protection preventing them from exercising their normal rights everything stops, including collection action unless specifically exempted, like child support.
The best thing about working with Westgeest & Associates, your
Licensed Insolvency Trustee, is that we don't judge or belittle you
for being in debt.
When you file
for bankruptcy, you surrender your assets to your
Licensed Insolvency Trustee.
To get the information you need to determine if declaring bankruptcy is the right option
for you, contact a
Licensed Insolvency Trustee today to schedule a free, no - obligation consultation.
Talk to your
Licensed Insolvency Trustee to see if it is the best option
for you.
A consumer proposal is an option under the Bankruptcy and
Insolvency Act to settle your debts
for less than you owe and still receive the creditor protection only available through a
Licensed Insolvency Trustee.
Your Kitchener
licensed insolvency trustee is like a referee in a hockey game: they don't work
for either side, but they are there to make sure that everyone involved follows all of the rules.
For further information or to schedule an appointment to privately review your financial situation and credit report, contact Westgeest & Associates, your
Licensed Insolvency Trustee, today.
For this to happen, you trade what you own with a Licensed Insolvency Trustee in exchange for the removal of your deb
For this to happen, you trade what you own with a
Licensed Insolvency Trustee in exchange
for the removal of your deb
for the removal of your debts.
As a
Licensed Insolvency Trustee I meet with people every day who need to file
for bankruptcy or submit a proposal to their creditors to deal with their debts.
Speak to a
licensed insolvency trustee to discuss your situation, review all of your options and come up with a plan that's right
for you.
I'm a
Licensed Insolvency Trustee and my firm, Hoyes, Michalos & Associates does thousands of consumer proposals and bankruptcies
for people who turn to debt to make ends meet and eventually found themselves in deeper trouble.
That's the question I want to ask my guest, who isn't a
licensed insolvency trustee or credit counsellor and he doesn't work
for a bank or payday lender.
A
Licensed Insolvency Trustee negotiates with your creditors repay the agreed settlement amount over a period of up to 5 years in exchange
for which you keep your assets.
We recommend you to contact a
Licensed Insolvency Trustee today and arrange
for a no - charge initial consultation.
A
licensed insolvency trustee like those at Hoyes Michalos can talk to you about how this process works and what option is best
for you.
For many, the answer is a consumer proposal, in which a
Licensed Insolvency Trustee collectively negotiates with creditors the amount the client will pay off.
Our
Licensed Insolvency Trustees will work with you to make sure that you understand the complete process of filing
for bankruptcy and what you're responsible
for.
Clients have to go through a
licensed insolvency trustee, and accredited firms, such as Hoyes, Michalos & Associates, have a list of criteria
for clients who are applying.
One thing Troy was careful to note was that 4 Pillars does not file
for bankruptcy (or consumer proposals) on clients» behalf, since only
Licensed Insolvency Trustees (LIT) can do that, per Canada's Bankruptcy
Insolvency Act.
However, some companies have switched their business model, selling consumer proposals (even if they don't call them that) and charging the debtor a fee
for advice then sending them to a
licensed insolvency trustee any.
Only
licensed insolvency trustees (the new designation
for bankruptcy
trustees in Canada) may administer a consumer proposal, so before you sign any agreements to pay, make certain you are dealing directly with a
licensed trustee and not a debt consultant that will pocket your money and refer you elsewhere.
For example, if your parent owes more than they can pay back and is having difficulty managing their monthly payments, a good first step is to speak with a
Licensed Insolvency Trustee.
Our
Licensed Insolvency Trustees are here to help you develop a strategy
for financial wellbeing.
For more than 50 years, our experienced team of
Licensed Insolvency Trustees and advisors have been working collaboratively with our corporate and individuals to help them recover from times of financial distress and regain control of their finances.
These legal remedies
for debt are done through a
trustee who is
licensed through the Bankruptcy and
Insolvency Act.
If you are looking
for more information particular to your situation, the best person to advise you in this situation is a
Licensed Insolvency Trustee.
Consumer proposal administrators are
licensed trustees, registered with the federal government under the Bankruptcy and
Insolvency Act and as such fees paid to a
trustee for administering a consumer proposal are set by legislation.
For that reason, our Licensed Insolvency Trustees are always here for y
For that reason, our
Licensed Insolvency Trustees are always here
for y
for you.
Ultimately, to determine if a consumer proposal is right
for you, I recommend meeting with a
licensed insolvency trustee.
Before filing
for personal bankruptcy in Saskatchewan, we recommend that you consult with a
Licensed Insolvency Trustee in Saskatchewan (an expert on Saskatchewan bankruptcy law) to review your options.
Seeing that things weren't changing
for Eric, his counsellor suggested he meet with a
licensed insolvency trustee to look at other options.
If you are struggling with debt, or have collection agencies calling you, or are worried about wage garnishments we strongly advise you to contact a
Licensed Insolvency Trustee in your area
for a free confidential consultation to learn your options.
For a free consultation on whether a consumer proposal is right for you, contact a Licensed Insolvency Trustee near y
For a free consultation on whether a consumer proposal is right
for you, contact a Licensed Insolvency Trustee near y
for you, contact a
Licensed Insolvency Trustee near you.
Under bankruptcy law, an RRSP can not be seized by a
licensed insolvency trustee except
for contributions made in the last year.
That's our show
for today, full show notes can be found on our website at hoyes.com that's h - o - y - e-s-dot-com, including a link to the Ontario Limitations Act and a list of all of our
Licensed Insolvency Trustees who can help you make a plan to deal with your old and your new debts.
This is why we always recommend talking with a
Licensed Insolvency Trustee, even if just
for a second opinion.
But, lawyers, not -
for - profit credit counsellors, and
licensed insolvency trustees are exempt from this requirement.