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BY UP TO 70%

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50+ Offices | 35+ Years Experience | 50,000 Satisfied Canadians
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A.Farber & Partners Licensed Insolvency Trustee

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Tax Debt and CRA

If you have difficulty repaying tax debt or need help dealing with tax debt, we’re here for you. We can negotiate with the CRA and help you get debt relief.


Debt Consolidation

Consolidate your debt with one simple monthly payment. If you can not afford to pay your debt, contact us for options.


Stop Wage Garnishment

How to stop a wage garnishment? Take action today and don't let this happen to you. Contact us, we can help!


Student Loan Debt

Student loans are necessary for many people who attend post secondary education. We can help with student loan debt and let you get a fresh start.


Payday Loans

Payday loans sound convenient and easy, but they come with incredibly high interest rates that can make them nearly impossible to pay off.


Stop Collection Calls

Stop calls from creditors and collection agencies and put an end to lawsuits with our Consumer Proposal and Bankruptcy service.


Credit Card Debt

Only paying the minimum balance? Missing Payments? Paying high interest rates? We can reduce or eliminate your credit card debt.


Bank Loans

Get relief from bank phone calls, collection efforts and legal action with our Bankruptcy and Consumer Proposal services.


THE A.FARBER SOLUTION

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The Licensed Insolvency Trustees at A. Farber can review your finances and prepare a consumer proposal to your creditors. A consumer proposal is an offer to settle your debt for less than the total amount owing. This process can result in as much as a 70% reduction in the amount you’ll need to pay back. More importantly, it also allows you to keep your assets such as your car, your house and much more. Read more about   Consumer Proposals.

The debt consolidation process allows you to combine your debts into a loan with a lower interest rate. This process can save you money in interest charges, making debt repayment more feasible. However, debt consolidation only reduces your interest payments. The overall amount owing on the principal does not change. Read more about Debt Consolidation.

Credit counselling is a process designed to help you come up with a strategy for paying down your debt. Credit counselling can help you with budgeting and allow you to repay your debt more quickly, reducing interest charges. However, it does not reduce the overall amount owing. Still confused about which insolvency process is the best option for you? Contact us for a free financial evaluation. We can get you the help you need to clear up your debt once and for all.

Who we are

We helped over 50,000 Canadians to become Debt Free in our 36+ Years of Experiences At A.Farber, we specialize in debt relief programs. In a simple manner, we can explain to you the differences between Consumer Proposals, Bankruptcy and Debt Consolidation loans. These are some of the options available to you for debt management. Our Licensed Insolvency Trustee can help with debt relief ranging from credit card debt to tax debt.

- 50+ offices across Canada (there's one near you!)
- More than 36 years of insolvency experience
- Convenient meeting times and hours (and all meetings are confidential)
- FREE face-to-face consultation with a trained Debt Administrator or Trustee
- A complete review of your financial situation
- Reasonable solutions to your debt problems

Contact Us Today

Trust & Integrity
For over 36 years Canadians have trusted us with resolving their debt problems. Our professional staff is licensed by the federal government to offer these services.

Expertise
In our Canadian owned firm, the 40 licensed professionals have counseled over 50,000 Canadians and guided them to a satisfactory and predictable conclusion to their debt problems. Whether you are single married, separated or widowed we understand your special predicament and can offer a debt relief solution.

People
Alan Farber has assembled a dynamic group of people at A.Farber who deliver exceptional results. For 36 years we have lived with our clients through the emotional upheaval and stress of dealing with debt settlement problems. We are committed to excellence in servicing our clients. We are there to listen to you, to support you and help you rebuild your financial future.

Contact Us Today
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Your path to debt free starts here

Contact Us Today And Get A 1 Hour Consultation Absolutely Free.

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How We Can Help

A Consumer Proposal (applicable in Ontario and all other Canadian provinces) is a formal agreement between you and your creditors. It includes an offer to your creditors to settle your debt for an amount that is less than the total amount owing. A consumer proposal can result in as much as a 70% debt reduction. More importantly, it allows you to keep your assets, your car and your house. Read more about Consumer Proposals Benefits.

Bankruptcy is a legal process which provides a debtor, who is unable to meet his or her financial commitments to their unsecured creditors, with a process for eliminating his or her debts in an orderly manner. Read more about Bankruptcy Advantages.

The choice of which insolvency process to go with can be a difficult one. Check this page to learn more about the differences between consumer proposal and bankruptcy. Still confused which insolvency process is the best for you? Contact us for a free financial evaluation and we can get you the help you need to clear up that debt once and for all. Learn more about Consumer Proposal Vs Bankruptcy.

More than 50000 Satisfied Customers

Thank you and the staff of A. Farber & Partners for their outstanding service in helping my wife and I turn our lives around. We couldn’t have done it without your help. We know we picked the right people to help us.

Don

Etobicoke

I just received your letter stating my proposal was accepted and I wanted to say THANK YOU! I feel like I get another chance for a better life for myself and especially my son and for that I am truly grateful.

M. J.

Burlington

I got my paperwork in the mail yesterday informing me of my discharge, so thank you very much! I wanted to say "Thank You" for everything you have all done for me. I hope you and everybody over there have a great and safe happy holiday.

N V

North York

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Where you can find us

Nothing Beats Our Debt Free Solutions!

Debt issues, credit card problems, unpaid bills, garnished wages, or collection calls? All resolved and your peace of mind restored!

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How can our Kitchener Debt Solutions Professionals help you get out of debt?

There are many debt relief options available to anyone who has trouble paying their debt, such as:

Consumer ProposalConsumer Proposal
A consumer proposal is an agreement between you and your creditors. Once your consumer proposal is accepted, you only need to pay them a portion of what you owe. This can lead to a decrease of your debt of up to 70%, in full settlement.

 

credit counsellingCredit Counselling
Credit counselling is also an option, but only if you can pay off the entire debt amount over several years. This does not decrease the amount of debt to be paid off.

 

Personal BankruptcyPersonal Bankruptcy
Many people are fearful of a bankruptcy, as it is not well understood. For those who have no assets or discretionary income, a bankruptcy may be the fastest way to get out of debt and the only way to completely write off your existing debt.

 

debt consolidation loanDebt Consolidation
Debt consolidation is only an option if you are able to get a NEW loan with a lower interest rate, but this is often difficult if you have missed debt payments.

 

A consumer proposal or bankruptcy can only be provided by an Insolvency Trustee or Proposal Administrator, licensed by the federal government. Using a licensed Insolvency Trustee in Kitchener, Ontario assures you of access to an insolvency professional whose trust, integrity and experience you can rely on.

Our Debt Solutions Professionals in Kitchener

Chad Zizzo, our Debt Solutions Manager in Kitchener, has helped hundreds of clients to get out of debt. Chad looks forward to meeting you, confidentially reviewing your financial situation and providing you with a range of solutions to resolve your financial difficulties.

With many years of experience in the insolvency industry, Chad brings a wealth of knowledge to our firm and has helped thousands of Canadians structure a plan to successfully resolve their personal financial problems. Chad has also worked on many corporate restructuring files, as well as being involved in multi-million dollar fraud investigations to help investors (and others) regain what they have lost.

A free, no-obligation consultation with Chad will provide you with the insight into your current financial situation that you need to make an educated decision about how to clear up your debt worries. Chad will then provide you with expert advice and direct you to the right solution (personal bankruptcy is NOT your only option). The goal? To help you rebuild your life, financially.

Insolvency Trustee Office in Kitchener

30 Duke Street West, Suite 507 
Kitchener, Ontario N2H 3W5

Phone: (519) 310-1100
Or toll free from any area code: 310-1100

 

Parking: Ample parking space can be found across the street, at the covered public lot.

 

Kitchener: Your Community

Kitchener Waterloo Cambridge is the 11th largest metropolitan area in Canada and the 5th largest in Ontario, with a population of about 500,000. The region boasts several prominent employers from the insurance, manufacturing and high-tech industries. Waterloo is well known for its high-tech industry and more than 400 high-tech firms are located there.

Kitchener is located in Waterloo Region, a vital and prosperous area in southern Ontario. Waterloo Region is comprised of three cities: Kitchener, Cambridge and Waterloo and four scenic rural townships: North Dumfries, Wellesley, Wilmot and Woolwich. North of Kitchener-Waterloo, the town of St. Jacobs is a popular tourist destination due to its Mennonite heritage and Canada’s largest year-round farmer's market.

Kitchener-Waterloo is well known for Oktoberfest, the largest Bavarian festival in North America. The Oktoberfest celebration is an annual nine-day event, featuring the popular Oktoberfest Thanksgiving Day Parade.

As the only major parade on Canadian Thanksgiving, it is televised nationally. Other fun events include: the Kitchener Blues Festival, a 4-day festival located downtown; the KOI Music Festival, regarded as one of the premier independent music festivals in Ontario; the KW Multicultural Festival, held every summer for over 40 years; and the Open Ears Festival of Music & Sound, a diverse, week-long, multi-venue music festival with something for everyone.

In 2013 over 1,000 people in the Kitchener area filed a consumer proposal or bankruptcy with the Office of the Superintendent of Bankruptcy Canada. A. Farber & Partners is pleased to offer the Kitchener, Waterloo, Cambridge communities Consumer Proposal and Bankruptcy Trustee services.