About Steve Welker and Company
Found in 2014, Steve Welker and Company has helped thousands, and thousands of Ontarians just like you get out of debt. Through these years, we have understood that people get into debt for many different reasons beyond their control – Job loss, business failure, divorce, helping others, an illness, disability, accident and other unexpected expenses. We understand the stress that this puts people in and that this stress affects their relationships, sleep, health and enjoyment of life.
Canadian Laws allow you to get relief and suffer no longer. Our passion is making the Canadian system work for you. We can only sleep well when you’re sleeping well with your debt no longer on your mind.
Meet Steve
He’s a fisherman, home renovator and knows his way around a kitchen. That’s a picture of Steve fishing with his father Peter who is also a Licensed Insolvency Trustee. His brother is a Trustee as well. His family has successfully helped thousands of Ontarians with their debt problems since the 90s. Steve understands that life throws curveballs and is a firm 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. Still, 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.
After cutting his teeth in commercial insolvency and working on large receiverships and re-organizations Steve founded Steve Welker and Company Inc. in 2014 to pursue his passion of serving individuals struggling with debt.
Credentials
- Licensed Insolvency Trustee
- Chartered Professional Accountant
- Chartered Accountant
- Insolvency Counsellor
- Commissioner of Oaths
- Bachelor of Arts, Economics (Wilfrid Laurier University)
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.
Things that make us proud.
Eddie here & I hope all three of you are doing very well. I just submitted a request to have Abby process my final lump-sum payment with all du...
Eddie here & I hope all three of you are doing very well. I just submitted a request to have Abby process my final lump-sum payment with all dues cleared by Monday, March 8, 2021 thus clearing/settling my commitment in my Proposal a couple of years earlier than planned. I wanted to extend my thanks & gratitude to all three of you over the last near three years.
Todd, thank you for our initial meeting back in June of 2018. I appreciate your patience, kindness, understanding & sincerity during a very difficult period in my life. You’ve been a great help throughout these past few years.
Abby, thank you for your timely responses to all of my e-mails. I knew whenever I e-mailed you, I’d receive a response the same day with the correct information to any of my questions. You’ve been a pleasure to work with throughout this process.
Finally, Steve, it was rare that I had any concerns when dealing with your Team, but when I did, you were quick to address them & keep me well informed.
The road to financial recovery continues but the start & journey was made easier thanks to all of you. Thank you all very much once again & I wish you all the continued best–keep well & take care.
Kind Regards,
~Eddie~
Firstly – though not in the best of circumstances, it was great to finally meet you today. Hopefully we can find a...
Firstly – though not in the best of circumstances, it was great to finally meet you today. Hopefully we can find a time to chat in a better scenario sometime soon as well.
Mostly – I really want to thank you for your help today. I know that my brother’s case in your world is very small, especially relative to the amount of time you invested in our meeting. However, moving towards the resolution of this situation is a big deal for my family (particularly my parents). Your professionalism and helpfulness was tremendous – my brother was raving about you after we left. That is truly appreciated.
If there is anything I can do to help with referrals or testimonials or anything, please let me know and I would be very happy to do it.
Thanks again.
Best,
Nick
As you may have heard already worked my butt off this past year with a 2nd job and was able to pay off my debt! It’...
As you may have heard already worked my butt off this past year with a 2nd job and was able to pay off my debt! It’s a nice feeling and I want to thank you for your help and support. It was a hard thing to do and you made it a lot easier.
With all that said, I have a couple questions for you:
– will my credit score change now that I have this complete?
– on my credit report it’s showing that both of my government student loans are still open, why is that and when will they close?
Thanks in advance!
Cheers,
Matt
I have been meaning to follow up and thank you for all your help over the last 3 years. I have got confirmation that all...
I have been meaning to follow up and thank you for all your help over the last 3 years. I have got confirmation that all my credit bureau files are now updated and I am looking forward to a fresh start now, so thanks again. The reason I am remembered to write today is because I heard your new radio spot on Boom 97.3 (which we listen to at work) and it sounds great!
Thanks again for the help and best of luck to you and your firm this year and in the future.
Sincerely,
Andrew
Our guiding principals
Empathy
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.
Information
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.
Fairness
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
Hope
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.
Integrity
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.
Respect
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 the team
After graduating from Wilfrid Laurier University with a degree in Economics, and serving as President of the Wilfrid Laurier University Students’ Union, Steve went on to work for different national accounting firms where he earned his Chartered Accounting designation in 2008.
After spending a few years working towards obtaining his Trustee license while focusing on corporate insolvency proceedings, Steve decided to leave corporate insolvency to focus on helping individuals struggling with debt instead.
After eight months travelling Steve founded Steve Welker and Company in 2014.
Coming from a family of Licensed Insolvency Trustees, he understands that life doesn’t always go as planned, and takes pride in helping Ontarians get relief and rebuild their financial lives.
Steve is a Chartered Accountant, Licensed Insolvency Trustee, Chartered Insolvency and Restructuring Professional, Licensed Credit Counsellor, and earned the top mark on the National Insolvency Exam, for which he received a gold medal in 2012.
Volunteering is important to Steve and he’s proud to have been recognized as the volunteer of the year in Southwestern Ontario by PricewaterhouseCoopers, have served as a big brother for over a decade, and prepare tax returns for free.
After more than a decade as a Trustee Steve has helped thousands of Ontarians become debt free, and remains available for free consultations.
With over 20 years of insolvency experience, Raquel is a veteran with a patient approach to explaining the insolvency process, and successfully guiding individuals towards their fresh start.
Raquel is an Insolvency Administrator and Licensed Credit Counsellor. She is also fluent in Tagalog.
Raquel successfully facilitates the negotiation of consumer proposals and also delivers credit counselling.
Ammar officially became a Chartered Insolvency and Restructuring Professional in January 2025, and successfully became a Licensed Insolvency Trustee in July 2026.
Ammar graduated from York University with his Bachelor of Commerce and Administrative Studies degree, and has over a decade of experience in the insolvency industry, and is a Licensed Credit 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.
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.
She successfully completed the Insolvency Administrators course offered by the Canadian Association of Insolvency and Restructuring Professionals in 2026, and focuses primarily on the administration of bankruptcy estates.
Sally is an experienced insolvency administrator and creditor counsellor who has more than 10 years of industry experience. She’s the proud mother of two young boys.
Sally has completed the Insolvency Administrators course through the Canadian Association of Insolvency and Restructuring Professionals, and is also a licensed credit counsellor.
Sally is currently enrolled in the program of studying leading to becoming a Licensed Insolvency Trustee.
Sally primarily administers the firms complex files such as ordinary bankruptcies, and Division 1 Proposals.
Serena is a busy mother of three, who joined the firm in 2023.
Serena completed the Insolvency Administrators course through the Canadian Association of Insolvency and Restructuring Professionals in 2026.
She’s a jack of all trades who provides general administrative support to the team, while also focusing on keeping our proposal clients on track by monitoring payments and annulments.
Amanda is the friendly voice of the firm handling incoming calls, and responding to customer requests.
When not dealing with client requests, she is processing proofs of claim, or new files and sending notices to creditors.
Amanda is a proud mom, and enjoys being outdoors at her camp outside the city.