Who we are - Steve Welker and Company Inc.
Who we are
We are licensed by the federal
government to help
Canadians get out of debt.

About Steve Welker and Company

Over the last 30 years, the Welker family has helped thousands of Canadians 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.

Who we are

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)
Meet Steve
Our approach

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.

Thank you letters from people like you who have eliminated their debt and rebuilt their lives.
Who we are
Eddie

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
Eddie

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~

Who we are
Nick

Firstly – though not in the best of circumstances, it was great to finally meet you today. Hopefully we can find a...

Nick
Nick

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

Who we are
Matt

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’...

Matt
Matt

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 

Who we are
Andrew

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...

Andrew
Andrew

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

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

Steve Welker
Steve Welker
Steve Welker
Licensed Insolvency Trustee

Steve is a father, husband, fisherman, home renovator, and self-proclaimed superhero in the kitchen.

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.

Steve Welker
Licensed Insolvency Trustee
Raquel Walse
Raquel Walse
Raquel Walse
Insolvency Administrator

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 successfully facilitates the negotiation of consumer proposals and their full performance.

Raquel Walse
Insolvency Administrator
Todd Howell
Todd Howell
Todd Howell
Licensed Insolvency Trustee

Todd is the proud father of two boys and has been a Licensed Insolvency Trustee since 2002.  Todd is an empathetic listener who 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.

Todd Howell
Licensed Insolvency Trustee
Ammar Hussain
Ammar Hussain
Ammar Hussain
Debt Solutions Specialist

As a graduate of York University having completed his Bachelor of Commerce and Administrative Studies degree, Ammar has turned his focus to obtaining his Trustee’s License.   Ammar has recently written the Canadian Association of Insolvency and Restructuring Professional’s Core Knowledge Exam, with hopes of sitting the oral boards in the spring of 2023.

Ammar has years of experience as a dedicated insolvency administrator, 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.

Ammar Hussain
Debt Solutions Specialist
Abby Riley
Abby Riley
Abby Riley
Jr. Insolvency Administrator

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.

Abby Riley
Jr. Insolvency Administrator

Canadian laws allow you to have a fresh financial start.

Why wait? Take control of your debts now. The sooner you get started, the sooner you will leave debt and stress behind.

Book a Free Consultation