Licensed Insolvency Trustee Toronto

All consultations are FREE and now available by phone or video conference.

We can help you break the cycle of debt

Credit card debt

Credit card debt can pile up quickly, and high-interest rates make it tough to pay off. We can help you reduce or erase your credit card debt.

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Payday loan debt

Payday loans seem like an easy answer, but they usually cause more trouble than they solve. We’ll help you handle payday loan debt.

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Unsecured loans

Lines of credit, personal loans, and other debts can be stressful. Let us work with you to solve these debt problems and reduce your stress.

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Tax Debt

If you owe tax debt to the CRA and you can’t pay it, we are here to help.

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Overdue bills

Can’t get on top of your bills? Struggling with overdue payments? We’re here.

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Consolidation loan

Wondering if a consolidation loan can help you tackle your debt? Learn more.

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Student loans

Student loan debt can make it tough to move on with your life. Let us help you.

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We can help you reduce stress

Stop

Collection Calls

Calls from creditors and collection agencies are stressful and aggravating. We can put an end to these calls and help you get your financial life back on track.

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Stop

Interest

High-interest rates make it nearly impossible to pay off debt. We offer solutions that stop interest immediately and give you a plan to repay your debt.

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Stop

Wage Garnishment

We stop wage garnishments right away, so you protect and receive your entire pay cheque. Then, we’ll help you tackle your debt and improve your financial life.

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How we help you eliminate debt

Consumer Proposals

A consumer proposal can reduce the amount of debt you have to repay by up to 70%.

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Bankruptcy

Bankruptcy can erase your debts and put you on a path to rebuilding your financial life.

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Debt Relief

We’ll help you find the right debt relief option for your financial situation.

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Payment calculator

A consumer proposal, can reduce what you owe by up to 70%

Actual results may vary based on your income, assets and debt. We can help you understand your options better.

Google Reviews

Nyto Nyto1

2026-10-21

hello my name is Khalid and I just signed my documents with the firm yesterday. Steve was dealing with my file, he was very thorough, understanding and non judgmental. He took his time explaining every single detail to me and made the whole process very simple despite the fact that it is a nerve wrecking situation. Also, Ammar was very helpful. I am sure I will continue to have a great experience with this firm.

Taha El Khalifa Taha

2026-06-04

It was a great experience, I felt like being looked after in a very respectful way.

Cheryl Lynch

2026-05-20

Everyone has made this matter so much easier than what I expected. Steve, you have a fantastic support team on your side. Thank you so much for your help and support. Sincerely, Cheryl Lynch

Imran Ahmed

2026-04-28

Steve and his team was a blessing in this difficult phase of my life. Strongly recommended for anyone who has fallen into a debt trap. Thanks Steve Welker, Ammar Hussain and team

Rithwik Jallepalli

2026-04-21

I am so grateful for finding these people (just via the govt of Canada website) - big shout-out to Ammar and Serena. I can sleep better now and the mistakes of my business venture aren't haunting me anymore. A manageable monthly payment without the stress of assets and collection is a real life line. Thanks again Steve and everyone at the office, your help was invaluable

Why work with us to eliminate your debt

Licensed by the federal government

99% Consumer Proposal acceptance rate

Served more than 4,000 Ontarians

Founded in 2014

5-star customer rating

A+ BBB rating

No upfront fees

Location Name	Distance
Cambridge	557.5KM
Brantford	340.0KM

Location Name

Distance

Cambridge

557.5KM

Brantford

340.0KM

Blog

Pharmacists and Debt: Can Bankruptcy or a Consumer Proposal Affect Your Ability to Practise?

Author : stevewelker

13.05.2026

Pharmacists are trusted professionals. They are also business owners, employees, parents, spouses, and individuals who can experience the same financi...

Can You Keep an Active Corporation During a Personal Bankruptcy?

Author : stevewelker

2.05.2026

A question that comes up from time to time is whether someone can file a personal bankruptcy and simply continue operating their corporation as usual....

HST Assessments on House Flipping: A Growing Cause of Insolvency

Author : stevewelker

16.04.2026

A pattern I am seeing more and more often looks like this: Someone buys a house.They renovate it.They sell it for a profit. They believe the sale is...

Writs on Your Property After a Consumer Proposal

Author : stevewelker

24.03.2026

What They Are — and Why You Must Remove Them After You Finish If you have completed (or are close to completing) a consumer proposal, and you previou...

RESPs and Bankruptcy

Author : stevewelker

Tag : bankruptcy debt education plan registered RESP savings

21.01.2026

Registered Education Savings Plans (RESPs) and Bankruptcy If you’re considering bankruptcy and have a Registered Education Savings Plan (RESP) for ...

Can You Dissolve An Insolvent Corporation?

Author : stevewelker

Tag : bankruptcy debt education plan registered RESP savings

23.02.2025

The short answer: No - You cannot dissolve an insolvent corporation Corporations In Canada corporations are incorporated under federal legislation k...

We can help you break the cycle of debt

We can help you reduce stress

How we help you eliminate debt

Payment calculator

Good news!

Google Reviews

Why work with us to eliminate your debt

21 Locations across Ontario

21 Locations across Ontario

Blog

Canadian laws allow you to have a fresh financial start.