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.

Shalon Grannum

Shalon is a mother of two who has helped hundreds of people struggling with debt over her 11 years in the insolvency industry.  She applies her experience to assess individual situations, formulate manageable debt solutions, and clearly explain how our services work.  People typically feel relieved after speaking with her.

She is licensed by the Office of the Superintendent of Bankruptcy as a credit counsellor and has completed the insolvency administration program provided by the Canadian Association of Insolvency and Restructuring Professionals.  In addition, Shalon holds an executive diploma from Mohawk College.

Shalon Grannum, Insolvency Administrator and Credit Counsellor

Raquel Walse

During her decade of experience in the field of insolvency Raquel has devoted herself to assisting individuals struggling with debt.  She’s patient, empathetic, and has the skill to understand your situation and explain your options.  As a credit counsellor licensed by the Office of the Superintendent of Bankruptcy, Raquel helps individuals understand their finances and plan for the future.

Raquel has completed the insolvency counsellor’s qualification course, a diploma from the Toronto School of Business, and a certificate from Centennial College.  In addition, Raquel speaks Tagalog.

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