Licensed Trustee

Credit Counselor

Understand ALL your options

A Farber & Partners Inc. are required by law to discuss ALL your options for debt relief – not just repayment of your debt.

May be limited to just one approach. May not have the educational or professional background to advise on alternative approaches.

STOP creditors from harassing you

A Trustee is able to use the full power of Federal law to protect you.  We demand that creditors STOP all collection actions.

A Credit Counselor does not have this authority

Get full protection from your creditors and the courts

By law, a Trustee is the only one who can provide you with full protection from your creditors when you file a Proposal or Bankruptcy.

Credit counselors are not federally licensed (no government oversight) and do not have legislative power over your creditors.

Be protected by a strict code of ethics & a wealth of experience

Trustees are licensed by the government of Canada and must follow a strict code of ethics and undergo many years of training.

Credit counselors do not have to be licensed and are not independently regulated. Anyone can be a credit counselor!

Pay a fair fee for any services provided to you

Trustees are restricted in what they can charge by the Bankruptcy Insolvency Act.  No upfront fees and a free consultation are your right!

Many credit counselors charge large upfront fees, but do not have the power to enforce a settlement on ALL of your creditors. Consequently many of these settlements  fail and the debtor ends up filing for protection from the creditors with  a licensed trustee anyhow.