You'll find our Midland Ontario bankruptcy trustees knowledgeable, helpful and friendly.  We'll start by scheduling a meeting with you to discuss the solutions best suited to your situation. This meeting is free, and it's confidential. We'll help you make the right decision so you can regain control of your life.

We are available to assist you in identifying your options and forming a plan to get you a fresh financial start. Our Midland Ontario bankruptcy trustees have many ways to assist people with their financial problems. These include:

• Consumer proposals;

• Budgeting;

• Debt Counselling;

• Third party settlements with creditors; and

• Refinancing.

Our experienced financial counsellors help people manage and resolve severe financial problems. We understand how stressful this situation can be and know how to help. Our goal is to guide people through a very difficult time and help them move towards a brighter, more financially secure future.

All our bankruptcy trustees are members of provincial and national professional associations. We honour and respect the Codes of Ethics of these associations and The Superintendent of Bankruptcy.

Midland Bankruptcy Trustees. Ontario Bankruptcy Information.

Important Reasons for you to use a Trustee in Bankruptcy for your Debt Relief Options

Cost: In most cases, It will cost you less to use a trustee than other Debt Consultants since trustees have their fees regulated by the government.

Quicker Way to Rebuild Your Credit Rating : Filing a Bankruptcy or a Proposal is often a quicker way to rebuild your credit rating than using a credit counsellor. So long as you are on any kind of payment plan the credit bureau will record this fact. Using a credit counsellor will not give you a better credit rating faster. In fact, you will likely take longer to re-establish a good rating and pay much more. More information about credit counsellors and trustees..

Full Range of Debt Relief Options: Trustees in bankruptcy are the only debt professionals, that can provide a full range of debt relief options and the only debt professionals that can guarantee protection from your creditors.

A person has to use a trustee if he or she goes bankrupt. However, trustees are not just for filing bankruptcy. They are also Professional Debt Consultants and can make arrangements with your creditors on your behalf; provide debt counselling; negotiate settlement agreements and help you make a proposal to your creditors to avoid bankruptcy.

Integrity: If a trustee feels you need the protection of independent legal advice the trustee will refer you to an insolvency lawyer. In some cases the trustee will be able to advise you of a solution that will cost you nothing and have you avoid bankruptcy. Trustees are guided by a stringent code of ethic and will give you the best advice possible even if it means you do not use their services.

Training and Expertise: Trustees are the most highly trained and educated Debt Consultants in Canada. Almost all trustees have both an accounting designation and a university degree. In addition, all must complete and pass a rigorous three-year bankruptcy and law course and be investigated by the RCMP before being granted a trustee license. Ongoing professional development is mandatory.

Your Protection:  When dealing with a trustee you are protected firstly by the fact that the federal government regulates trustees and secondly by the stringent code of ethics to which all trustees are subject. Trustees in bankruptcy are the only debt professionals, in Canada, that are regulated by the government

A Comparison of Credit counsellors with trustees in bankruptcy

** In most cases first time bankrupts are entitled to a discharge after nine months.