Make sure that you are dealing with a licensed Trustee, such as A. Farber & Partners. We know about all your available options and we are required by law to explain them to you - whether we offer them or not. We also have relationships in place with many of the creditors that you deal with. By law, we are the only ones who can provide you with full protection from your creditors through either a consumer proposal or bankruptcy - should either of these be the best course of action for you. Additionally, we are the only ones who can reduce or eliminate your debt owed to CRA beyond interest and penalties.

Always choose a firm that will treat you with dignity and respect. You are going through a difficult time and need help. There is no need for anyone to make you feel worse than you already do.