If you having trouble paying your credit card debt or Struggling making minimum payments.Doyle Salewski can help you with a proven solution. Let us help you start fresh.
Is your bank loan keeping you up at night?Are you running out of reasons to delay payment? Has the bank started calling you? Find relief from a Doyle Salewski Licensed Insolvency Trustee.
If you are burdened with tax debt , asking for sound advice is a sign of strength and the smart thing to do. Asking sooner rather than later is always better.
Has the size of your payday debt spiraled out of control? You're not alone. The interest on payday loans is outrageous and adds up quickly. A $100 payday loan can turn into a $150 payday loan debt in less than a month.
Are you having trouble paying off your student loans? Depending on the type of loans and how old they are, you have choices.
Collection agencies can be—and often are—overly aggressive in their pursuit of payment. While it’s never a good idea to simply ignore or avoid them if you owe the debt they claim, you don’t have to put up with harassment tactics. You have rights and options
Financial difficulties and debt stress can affect people from all walks of life. At Doyle Salewski, our professional credit counsellors can help you put your finances in order and achieve a debt-free future – all while treating you with respect, dignity and compassion. At Doyle Salewski, we help people just like you every day. Whether you’ve been feeling the effects of debt stress for a while or you’re just beginning to see problems developing, you’re here because you need help. Fear, stress, and even embarrassment, however, can make it difficult to reach out. Rest assured with Doyle Salewski, you are in good hands. Learn how our Ottawa consumer proposal experts can help you consolidate your debt.
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In the last 10 years new laws have been created to protect consumers from organizations seeking to profit under the premise of providing a debt-free future. You may have heard of “not-for-profit” credit counselling agencies and debt settlement companies. While these organizations may seem like they provide a solution to debt, many consumers do not understand the full implications of these options.
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A consumer proposal is a formal process you make with your creditors to pay back a percentage of what is owed to them or extend the time you have to pay off the debts, or both. It protects you from creditors’ harassing phone calls, garnishments, and legal threat. A Proposal can only be made by a Licensed Insolvency Trustee. It is designed with your financial situation in mind including the payment schedule, which is based on your income, living expenses, and family responsibilities and circumstances.
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Filing for bankruptcy isn’t a simple decision. It’s one that needs to be made during one of the most difficult periods of your life financially and personally. You aren’t able to keep on top of your bills. You may be using one credit card to pay another. You’re afraid to answer the phone in case it is the collection agency calling again. You are fighting with your significant other over money issues
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Yes there is an alternative to bankruptcy! In Canada there are two ways for indivduals to file for protection under the Bankruptcy and Insolvency Act legislation: a bankruptcy and a consumer proposal. A consumer proposal is a settlement offer to your creditors. You offer to pay them a certain amount of the debt you owe them, and they vote on whether or not to accept what you’re offering (usually less than what you owe them).
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If you’re stressed by cash flow problems, creditors calling, or the inability to meet your debt obligations, the credit counselling professionals at Doyle Salewski can help…
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A proposal can be refused, but if it’s reasonable, your creditors are likely to accept it. If a majority of your creditors feel that your consumer proposal is not reasonable, they may reject it...
In a proposal, creditors file a proof of claim with the trustee. The trustee then validates and accepts the claims, with each dollar of debt representing one vote....
If a creditor votes against your proposal but does not request a meeting of creditors, the vote is not taken into consideration. If a creditor does request a meeting of creditors...
