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COVID 19 Update

The safety of our clients and staff is our main priority. As a result, our entire firm is working from home and can seamlessly assist you during normal working hours.

All processes requiring in-person meetings can now be done conveniently and safely via phone and email.

Contacting us.

  • Telephone carriers across Canada are all experiencing intermittent service difficulties, especially with 1-800 series numbers. If you are having trouble with these numbers, contact us is via email.

If you are a new Client

  • All new clients are welcome to book a FREE telephone consultation with us by clicking on this link or by calling 1-888-432-7237, and one of our representatives will call you back to schedule a telephone appointment at a time convenient for you.
  • We will take the time needed to understand your situation and recommend a solution.

If you are an Existing Consumer Proposal Client

  • For general questions regarding the status of your proposal, collection calls, issues with CRA etc., please email us at
  • For questions on your Consumer Proposal payments, please send us an email at  Please use your file code in the subject line and the nature of your request.
  • Important: You must try not to fall behind on your Consumer Proposal Payments.
  • We have requested the Government for emergency measures to prevent a deemed annulment for missed payments, but at this time, there has been no legislative change.
  • If you are current on your proposal, there is some flexibility to miss a payment while we await the Government response.
  • If you are already behind, please contact us as a partial payment may give you at least an extra month reprieve while we await the Government response
  • If you are already set up on a Pre-Authorized Payment (PAP) plan, and need to make an additional payment or partial payment, please email us at
  • Cash Payments. Our offices are closed so you will not be able to make cash payments.
  • If you wish to set up a new PAP or have us make a one-time withdrawal, please provide written instructions and the two pieces of information listed below:
    • The amount you are authorizing us to withdraw;
    • The date you wish to have those funds withdrawn; and your account details i.e. transit number, branch, account number.

If you are uncertain about this, email us at we’d be happy to guide you through. Please note that we require at least two (2) business days to process your request. This time frame becomes more critical at the end of each month.

If you are a Bankruptcy Client

  • If you are currently making voluntary payments, we will work with you to implement a payment plan.
  • If you are currently responsible for making Surplus Income payments, and your income has been affected, we will review your reported income and adjust your payments accordingly. In some cases, this may result in a reduction of your bankruptcy period from 21 to 9 months or from 36 to 24 months, depending on the month you are currently in.

All bankruptcy court discharge hearings have been suspended. If you’ve received a notice of an upcoming hearing, you do not need to attend. We will advise you once a new date is scheduled.

If you have any questions about your file, please call us at 1-888-432-7237 (option 2) and you will be directed to the bankruptcy administration team.

Government Resources

This link will provide you with relevant government information:

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Calculate your new reduced debt payment