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Debt Help

If you're feeling overwhelmed by debt, you're not alone—and you're not without options.

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I can offer guidance, support, and, if needed, a clear path forward. Complete the form below to the best of your ability, and we'll find a solution together. The more accurate the information, the greater the clarity I can provide.

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If you haven’t yet picked up my book Beyond Material Salvation – Rethinking Insolvency and Debtor Morality, I recommend it as a starting point. Not keen on reading? There’s an audiobook too.

How much do you owe to your unsecured creditors?
If you support people, do they live with you
Yes
No
Do the people you support earn income?
How are you paid?
Once a month
Every two weeks
Twice a month (15th and 30th)
How much is deposited into your account each time you are paid?
Do you receive any other income?
Yes
No
Do you own your own home?
Yes
No, I rent.
Is anyone else's name on the title of your home with you?
Yes.
No. It's only in my name
Do you have any retirement savings or investments?
Yes
No
Do you own a motor vehicle?
Yes
No, I use transit and ride share
Yes, but I owe more money on it than it is worth.
Not really, it's a lease
If creditors searched your name would it be attached to any assets or property that you have not listed above?
Yes. I'll explain below
No
They can do that?
Have you ever spoken to a Licensed Insolvency Trustee before?
Yes, but I didn't file any paperwork
No, it's my first experience
Have you read the book, Beyond Material Salvation, to get an understanding about how restructuring debt in Canada works?
Yes, that's why I'm reaching out
No, not yet
If only there was a link to get it... (look to the right)
What is your relationship with your creditors right now?
I am paying them just fine, but most of the payment goes to interest
I am paying them but struggling to make ends meet
I'm about to be unable to pay them
I have fallen behind a bit
Things have gotten out of hand
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