Who We Are

Meet Steve

He’s a fisherman, home renovator, and knows his way around a kitchen. He’s also one of three Licensed Insolvency Trustees in his family that has been successfully helping people with their debt problems since the 90s. Steve understands that life throws curveballs and is a strong believer in the Canadian insolvency system. He knows the relief that an initial consultation can provide and he enjoys empowering his clients to overcome their financial difficulties.

Sure he’s a chartered accountant, Licensed Insolvency Trustee, and received the gold medal for the highest mark on the National Insolvency Exam, but he doesn’t like to remind anyone of those facts… except his brother.

Community is important to Steve. That’s why PricewaterhouseCoopers LLP recognized him as their South Western Ontario Volunteer of the year for his work on a local board of directors. He’s also been a big brother for over a decade and prepared tax returns for free through the Institute of Chartered Accountants of Ontario.


  • Licensed Insolvency Trustee
  • Chartered Professional Accountant
  • Chartered Accountant
  • Insolvency Counsellor
  • Commissioner of Oaths
  • Bachelor of Arts, Economics
Our Approach

We focus on relieving our clients’ financial stress and providing them with the opportunity for promising financial futures. We do this by helping them understand their options and become debt free.

We Value


We put ourselves in our clients’ shoes and go for a walk during each initial consultation. Our judgement free approach focuses on understanding so that the best course of action can be determined.


We pride ourselves on getting to the point and clearly stating the facts. We face the issues head on and provide the information that enables our clients to make the best decisions possible.


We are the referees of our country’s financial system, and believe that the system works. Our goal is for everyone to feel that they were treated fairly and with respect; not to create winners or losers


It’s a powerful thing. It serves as critical motivation during difficult times and we keep this in mind when working with our clients. We see it as our job to assist our clients face their past while focusing on their promising, and hopeful new debt free future.


We’re licensed by the federal government, never charge up-front fees, and create a pressure free environment where our clients obtain the relevant facts necessary to make an informed decision about their financial future.


We value diversity and recognize the uniqueness of each person’s situation. Maintaining our clients’ dignity as we assist them to overcome their financial struggles is of the utmost importance to us.

Meet Shalon.  She’s a proud mother of three who has been helping those struggling with debt for over 15 years.  As an Insolvency Administrator and Licensed Credit Counsellor, Shalon services our west end locations including Hamilton, Burlington, Brampton, and Mississauga.  When not providing credit counselling services Shalon is administering our bankruptcies from head office.

Shalon has a compassionate and empathetic approach to assisting individuals complete their insolvency proceeding.

Meet Raquel.  As a 15 year veteran of the insolvency field Raquel has an experienced and patient approach to explaining the insolvency process, and successfully guiding individuals towards their fresh start.

Raquel is an Insolvency Administrator and Licensed Credit Counsellor who services our east end locations including Yorkville, North York, Scarborough, Markham, and Whitby.  She is fluent in Tagalog.

Raquel is responsible for successfully facilitating the negotiation of consumer proposals and ensuring their full performance.

Meet Todd.  Todd is the proud father of two boys who has been a Licensed Insolvency Trustee since 2002.  Todd services our east end locations where he takes the time to understand each unique personal situation, explain all available options, and provide guidance throughout the entire insolvency process.

Todd is also a Chartered Insolvency and Restructuring Professional, and holds a masters degree from the University of Ottawa.

When not in the office Todd enjoys watching rugby, and football.

Meet Ammar.  Having recently graduated from York University with Bachelor of Commerce and Administrative Studies degrees, and completed the Canadian Association of Insolvency and Restructuring Professional’s Insolvency Administration Course, Ammar continues to further his education as he pursues his Insolvency Trustee License.

Ammar has years of experience as a dedicated insolvency administrator, and is soon to be a Licensed Insolvency Counsellor.

Ammar is fluent in Urdu, and is always happy to explain Canada’s insolvency legislation to anyone struggling with debt, and searching for relief.

Meet Abby. Prior to joining the firm in 2018, Abby completed her diploma in Culinary Management from Centennial College and spent time working in kitchens on multiple continents including memorable time spent on Australia’s beautiful Fraser Island. Abby has learned a great deal about the insolvency industry since joining the team and enjoys interacting with clients.

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