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Debt Relief


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Credit Counsellor vs Licensed Insolvency Trustee

The following list shows the benefits of using a Licensed Insolvency Trustee, instead of a Credit Counsellor:


Insolvency Trustee

Credit Counsellor

Understand all your options to get out of debt

Insolvency Trustees 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 Counsellor does not have the authority to stop legal action.

Get full protection from your creditors and the courts

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

Credit counsellors 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 counsellors do not have to be licensed and are not independently regulated. Anyone can call themselves a credit counsellor!

Pay a fair fee

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 counsellors 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 an Insolvency Trustee anyhow.


trustee in bankruptcyOur goal, as your Licensed Insolvency Trustee, is to get you the protection you are legally entitled to, and to deal with your creditors with respect to money owed to them.

Please fill in the form below to request a free consultation with one of our debt professionals. We look forward to assisting you.