Consumer Proposal

A Consumer Proposal is an option available to individuals and businesses in which we help and arrange to make an offer to your creditors to modify your payments. It may result in a lower, more manageable monthly payment over a longer period of time, or it may result in your creditors’ agreeing to accept a percentage of your total debt.

Read More



As an honest but unfortunate debtor, you may choose to use the legal process of bankruptcy, regulated by the Act, to obtain a discharge from your debts (subject to reasonable conditions). Declaring bankruptcy means that your secured creditors cannot take legal steps to recover what you owe them, such as seizing your property or garnisheeing your wages

Read More

Credit Counseling

Credit Counseling

If you have filed a Division 1 or Consumer Proposal or declared Bankruptcy, you are required by the Bankruptcy and Insolvency Act to attend two Credit Counselling sessions. Look at these sessions as an opportunity to learn the tools to help you manage your finances in the future.

Read More

“Never spend your money before you have it.” -Thomas Jefferson

“Creditors have better memories than debtors.” -Benjamin Franklin

1280 Finch Ave. West, Suite 306
North York, ON, M3J 3K6

Tel: 416- 650-1100


4433 Sheppard Ave. East, Suite 201
Scarborough, ON, M1S 1V3

Tel: 416-754-0011


(By Appointment Only)
93 Dundas Street East, Suite 110
Mississauga, ON, L5A 1W7

Tel: 905-275-4200


Brampton OFFICE
(By Appointment Only)
7990,Kennedy Rd. S, Suite 201,
Brampton, ON, L6W 0B3

Tel: 905-796-3100


(By Appointment Only)
120 Eglinton Ave. East, Suite 800
Toronto, ON, M4P 1E2

Tel: 416- 489-2000



Equifax Canada Co.

Box 190 Jean Talon Station
Montreal, Quebec H1S 2Z2
Tel: 1-800-465-7166

Consumer Relations
3115 Harvester Road, Suite 201
Burlington, ON L7N 3N8
9:00a.m.-4:30p.m. (M-F)
Phone: 1-800-663-9980


Your Name (required)

Your Email (required)

Your City / Town (required)

Your Message / Contact Number


Want to get in touch? Go ahead! We love to hear from you. Whether you want to ask a question or request an appointment. Feel free to call us at (416) 650-1100