Free confidential assessment
Share your situation with a trustee. No obligation, no credit impact for the consultation.
Every situation is different. We compare regulated and informal approaches so you understand potential effects on monthly payments, timelines, creditor actions, /assets, and credit.
balances, income, essential expenses.
protecting essentials, stopping calls, finishing on time
side-by-side comparisons with trade-offs
you choose the path; we handle the paperwork
If your credit and income qualify, consolidating multiple debts into a single lower-interest loan can simplify payments and reduce interest costs. It does not reduce the principal you owe and approval depends on creditworthiness.
Best for: Stable income, decent credit, smaller overall debt.
We work directly with your creditors to reduce interest, waive fees, or restructure payments. Results vary by creditor and aren’t guaranteed—but our experience improves your odds.
Best for: A few specific debts, early-stage hardship.
A Consumer Proposal is a legally binding agreement with your creditors, arranged by a Licensed Insolvency Trustee. You repay only a portion of what you owe, in a single monthly payment, over up to 5 years—interest-free. Once accepted, creditors must stop collection actions.
Bankruptcy provides the strongest legal reset if your situation is severe. It stops collection actions and addresses unmanageable debt. We explain the process clearly so you understand duties, timelines, and what you may keep.
Best for: When a Consumer Proposal isn’t feasible.
Canada’s regulated professionals for formal debt solutions.
Empathetic guidance, zero shaming
Fees and steps explained before you decide
From first call to your final payment
Share your situation with a trustee. No obligation, no credit impact for the consultation.
We compare options so you see payments, timelines, and trade-offs.
Once filed, collection calls and legal actions generally must stop. You make one predictable payment.
We guide you through budgeting and credit rebuilding so you can move forward faster.
Have questions? Totally normal. Money is personal, and debt can be confusing. We’ve answered the most common questions below—plain language, no judgment. If you don’t see yours, we’re one message away.
You’re a good candidate for a structured plan if you’re :
Ginsberg Gingras is a Licensed Insolvency Trustee. Information provided is general and not a substitute for personalized advice. Eligibility, outcomes, and timelines vary. Certain debts may not be dischargeable. We’ll review your specific situation during your confidential assessment.
Free Consultation.
More than 20 offices across 3 provinces to serve you better
@ Ginsberg Gingras & Associates, Inc. Licensed Insolvency Trustees.
Ginsberg Gingras