Debt Solutions

Let us help you find YOUR debt solution.  Find out more about your options:

Declaring Personal Bankruptcy in Canada

Bankruptcy is a legal process, designed for the honest unfortunate debtor.  It is designed to assist an individual out of debt so that they may have a fresh financial start. When you file for or declare personal bankruptcy, you are voluntarily entering into a legal process that provides you with immediate protection against any further action by your creditors. [Read More]

Consumer Proposals in Canada

A Consumer Proposal is a formal offer to creditors to settle outstanding debts.  If you are having difficulties making your monthly payments, falling behind or getting over-whelmed by your debts; you are not alone. Just like you, thousands of individuals throughout the Maritimes have sought the protection and help of a Consumer Proposal. [Read More]

credit counselling

Credit Counselling

Credit counselling is the best way to provide education on proper money management.   This includes budgeting, proper use of credit and debit , and also repayment of debt.   We can help you develop a monthly budget and assist you with following your budget to reduce your debt. [Read More]

About Us

Allan Marshall and Associates

Allan Marshall & Associates Inc. is a Licensed Insolvency Trustee firm with locations throughout the Maritime provinces.  Licensed by the Federal Government of Canada to administer bankruptcies, Consumer Proposals, receivership’s and other insolvency services.   The caring team at Allan Marshall & Associates have the knowledge and experience to assess your situation and offer the best advice for your particular need, whether you are a first time bankrupt or simply struggling to make ends meet.

How We Help

We understand debt, and what causes it. There are numerous reasons why Canadians find themselves researching insolvency and ways to deal with their financial problems.
A Licensed Insolvency Trustee is different from a bankruptcy lawyer as they are specially licensed to oversee bankruptcies. They can help you through these problems to make sure it is done as quickly and efficiently as possible.

What our clients are saying about us…

  • P.H

    Thank you Olivia Thank you Olivia for all your help. I was quite upset about my financial situation and was beginning to believe this was going to be my way of life till I got the courage to call Alan Marshall's office and start the road to recovery. You set my mind at ease and removed the stigma of this whole ordeal. I am sleeping better and getting along better with my coworkers. The anger and fear are almost gone and my family has noticed my old self returning. Thank you so much for all your help.

    Doreen W.
    6/09/2021 - Google

    I had a great experience with Kelley on my first call. She was professional, courteous, and friendly. Very patient as well. She sent information online for me to study. I don't know if I'm going this route but I would recommend Kelley very highly!

    Jean-Yves D.
    6/04/2021 - Google

    I was nervous about making the call but thanks to Olivia I wish I would have called a long time ago. She is a good listenent and never once feel judge. She gave me my options and never once tried tu rush me into making a decision. She is also quick at replying to my emails and answered all my questions. Thanks you Olivia.


    I've been dealing with the saint John office and everyone has been so helpful with my questions and concerns in this process. Very happy with how well they handle everything and how informative they are through out the process.

  • Robyn S.
    5/11/2021 - Google

    I would highly recommend Allan Marshall & Associates. Even just to call and get a consultation, you have nothing to lose and lots to gain. Every person we dealt with there, were professional and helpful with no judgement. Kelley Hebb was our first point of contact and always offers assistance with prompt service. This firm has helped our family get back on track.


    Thank you! To the fabulous Alan Marshall Team,

    My husband and I did a Consumer Proposal about 5 years ago.
    Both of us had been through a divorce and life was just getting ahead of our finances despite our best to keep up.
    With a consultation with Alan Marshall in Fredericton, we felt heard, understood and respected.
    With diligence and paying off our Proposal in 3 years instead of
    We are happy to announce that today we got a mortgage for our dream home.
    Great credit and hard work made our dream come true and we have Alan Marshall & Associates to thank.

    Mary G.
    5/10/2021 - Google

    I called in not knowing quite sure what the response would be. It’s been a hard few years, and it was half embarrassment that kept me from calling. Olivia was magnificent. She calmed my fears immediately. Very calm and professional attitude. Best of all she explained things in a way that I truly understood what she was telling me.


    My experience was amazing with Linda and Patrick in Charlottetown, PE. They both treated me so well and made me always feel at home while I was dealing with a very stressful situation. They go above and beyond and have your back from the very first appointment. I will be forever grateful and know I can always reach out to them I’d I have any more questions!

  • Amanda P.
    5/05/2021 - Google

    I called this company after a really bad experience elsewhere. I was put through right away to Kelley who went above and beyond to ensure that I knew all my options and understood the process. I would describe her service as exceptional. I would absolutely recommend Alan Marshall & Associates and Kelley in particular. Thank you so much for your help.

    Miss M.
    5/01/2021 - Google

    I cannot recommend Allan Marshall, and in particular, Kelley from the Saint John branch, enough.

    I was concerned, nervous, embarrassed, ashamed, and loaded with questions (while there is a plethora of BK info online , there is almost nothing on consumer proposals.) Kelley answered all my many emails, promptly, courteously, professionally, and without a hint of judgement. She was extremely knowledgeable and helped me put my mind at ease. I was overwhelmed with all the steps to do, all the loose ends to trim before filing, and Kelley was with me every step of the way, being my support person and cheerleader, and reminding me it would all be worth it.

    I am now seeing the light at the end of the tunnel, and if it wasn’t for Kelley, I would surely be more stressed, more confused, possibly even immobilized by fear and uncertainty.

    For anyone on the fence, I highly recommend calling Allan Marshall for a free consultation. You will be so glad you did!

    Chris T.
    4/22/2021 - Google

    I reached out to Allan Marshall for council.

    After speaking to the Trustee - Francyne Myers in the Halifax branch, I felt confident that I was given sound and viable advise. Francyne was swift in research and extremely forward in information relevant to my situation. Francyne was professional, direct and empathetic to my case and I will reach out to her without hesitation if I require any guidance in the future.

    Very recommended.

    Katrina G.

    My name is Katrina and I was as dealing with the Saint John location with Olivia Hooper. She was so incredibly easy to talk to, very clear and informative and made everything feel so stress free. I highly recommend them.

  • Heather M.
    4/16/2021 - Google

    From the very beginning they gave me sound advice, they never made me feel bad about my financial situation and they helped get me on track and doing something about my financial goals to help me in the long run.


    Thank you for taking the time to help me with my financial problems and helping me with meeting my financial goals,I look forward to making progress.

    Joanne H.
    4/14/2021 - Google

    Kelley was extremely informative and professional while making me feel at ease at the same time. She took lots of time to explain every option in a clear and easy to comprehend way. She immediately made me feel comfortable with not a hint of judgement!

    4/14/2021 - Google

    this was very helpful and i would recommend this to anyone. It's so easy to understand and the person i was talking to was a delight to talk to and she was very kind

  • Masters D.
    4/12/2021 - Google

    Allan Marshall & Associates were great to deal with. Very professional and informative on the available options.
    I would recommend them to anyone that feels like they have nowhere else to turn on their financial hardships.

    Marc L.
    4/10/2021 - Google

    Had amazing service with ashley , made sure i understood every detail and was very patient, would recommend calling 100% to anyone who would be scared to take the first step

    Ryan M.
    4/08/2021 - Google

    Olivia was a pleasure to speak with. Very informative and professional. Definitely would recommend speaking with her. Super comfortable. Thanks again for all the help.

    Ronan C.
    4/05/2021 - Google

    i spoke with Kelly Hebb and she was so professional and detailed and answered all of my questions fully and with patience.

  • Richard C.
    4/04/2021 - Google

    I was stressed, freaking out, so tired of the collection notices and harassing phone calls at all hours of the day and I had no idea how to get out of the mess I was in financially. One day I saw an advertisement on tv for Allan Marshall and Associates so I went online to book an appointment. The next day someone contacted me and set up an appointment. Francyne Myers from the Halifax office called and I instantly felt relief and at ease. She explained the process and within a couple of days I had my paperwork all signed electronically and had our first Zoom meeting. Because of the Covid19 lockdown the office had been closed so everything was over the phone and in Zoom video chat. It is amazing what technology can do.
    Francyne and all the other wonderful people I was in touch with for various things like the two seasons you have during bankruptcy with an advisor made everything so simple. These people are very kind, caring, professional and empathetic, always there to answer any question no matter how silly you may think it is .. or if like me you have to ask the same question a few months later because you forgot haha .. they are there for you.
    In a couple of days I will be out of bankruptcy and the file closed and all that mess I had created will be over and now I have a fresh start and I am going on now with great ideas, plans on how to continue saving money, keeping to my budget and so on and I could not have done this without the help of Francyne and the rest of the team at Allan Marshall. Thank-you so very much everyone.
    If you... like I was .. need help with life and finances and have no idea where to go or what to do plesse consider reaching out to Allan Marshall and Associates. I highly reccomend them. You will not regret it.

    Carole N.
    4/02/2021 - Google

    Today I had the pleasure of speaking with Mary Ann. She made me feel very comfortable with a difficult life decision. She was very knowledgeable, patient and understanding. Thank you


    I called around a few places for financial advice and to explore my options, and Olivia very pleasant, helpful and very knowledgeable, she made the process less embarrassing and I would definitely recommend their services.


    My experience was great when I had my appointment with Mark in the Saint John location. I was very nervous waiting for my appointment but there was no need to be. He explained everything perfectly and I felt very comfortable. Now I am very happy with the decision I made. Thank you so much for all your help.

  • T.G.

    Thank you to Kelley H. for getting back to me so quickly about my inquiry, and help providing me with options for my financial situation. Thoroughly explaining everything, answering any questions I had about starting the process and what to expect. She was a terrific help, and a very pleasant person to talk to.


    Francyne, Thank you for reaching out to me.
    You were by far the most attentive and compassionate Trustee I met with - and I met with four.
    You were also the only person to give us hope that we could pay back our debt without catastrophic long-term consequences. I am no longer a candidate for your services, but I appreciate your time and would happily provide a testimonial.

    3/16/2021 - Google

    Maryanne sailed me thru this very trying time. I was so nervous about the credit counselling but she made it awesome and gave me lifelong advice. Thank you.

    J T.
    3/16/2021 - Google

    Olivia was wonderful discussing our situation, she gave us some very help full info. She made the process feel less of an embarrassment that we needed to ask for help. With Covid life has been difficult to say the least.
    I would very much like to let people know how she showed her caring and attention to our needs, and reassured us she is there for any questions or concerns we may have.

  • AM
    3/16/2021 - Google

    Kelly has been amazing to deal with so far! She is easy to speak to, I don't feel judgement from her and she takes the time to answer all of your questions. I tend to be an overthinker and with that comes a lot of questions. She handled it with grace. Thank you.

    3/12/2021 - Google

    What an amazing group of people to talk to. So knowledgeable and 1 phone call is all it took to relieve the stress and get options to make a brighter future. The hardest part is making that phone call. I'm glad I did. Thank you Christa for your advice, you certainly are an asset to the company.

    3/10/2021 - Google

    The 45 + minutes I spent with Mary Ann Marriot today was a five star experience. I feel like I have a much better understanding of my options. She was smart, empathetic, with excellent suggestions and information at her finger tips. I did not feel pressured to make a decision, I felt calm and relaxed almost immediately. I wish I had done this years ago instead of struggling to find solutions on my own. Thank you so much Mary Ann for the best 45 minute consultation re my finances I’ve ever had.

    Matthew L.
    2/27/2021 - Manual

    Hi i was dealing with mary ann marriott out of the bridgewater nova scotia office and she was very helpful in assisting me with my bankruptcy and any questions i had she was able to answer them professionally and very quick. She was very good to work with and was always there to help me when in need as she made me feel as if i was talking to a friend it did not feel like a finance situation and made the weight on my shoulders be lifted as i have heath issues and the hardship of going through this was very calm and very relaxed and i felt at ease with no worry and i would most definitely recommend her help to anyone who ask or whom needed help like me as she made the worry disappear and was always ready to help.

  • Haute C.
    2/26/2021 - Google

    Covid deeply affected by 14 year old consulting business. Faced with difficult decisions I called Allan Marshall & Associates Inc. They helped me make important financial decision, supported me through out this process and offered quality training as well. Rob and Corinna were both professional, understanding and very supportive. Thanks so much!

    Allison H.
    2/26/2021 - Google

    Was very clear and helpful, always willing to answer any of my questions and told me what I needed to know going into everything

    Roland G
    2/23/2021 - Manual

    I talked with Krista kelter at the saint john office she was absolutely amazing and extremely helpful with any questions I had. Was a great experience working with her and would recommend her anyday.

    2/19/2021 - Google

    Calling any company/person to discuss your financial undoing is a hard call to make. when you get the call back to start the process, one hopes to find the person on the other end has knowledge, compassion & non judgemental. well I certainly can attest that was my experience. Krista in St.John was all that!!! homerun was hit when they hired her. great knowledge & makes sure you are understanding all that is involved. she was a perfect person for me & my problem. thank you

  • Jen H.
    2/18/2021 - Google

    I spoke with Olivia today to get some answers to questions I have and she was very relaxing and reassuring to speak to and put my mind at ease, she answered all my questions with a relaxed and professional manner even though I was very reluctant to call, I would highly recommend her to anyone looking for the services of this company.

    Edna P.
    2/04/2021 - Google

    I made the decision to call Allan Marshall & Associates today. I was connected with Olivia and found her to be a very knowledgeable, compassionate person. She explained all my options and made me feel more at ease. Her demeanor was very professional and caring. At the end of our conversation I felt so much better and finally was able to see light at the end of the tunnel. Olivia made what was an uncomfortable decision much easier and clearer. Thank you Olivia for all your help and advise.

    Wayne M.
    2/01/2021 - Google

    Olivia was very nice and help full. She is very professional and kind with her questions. We talked about our situation and she gave us some very help full info.
    I would very much let people know how she showed her caring and attention to our needs.
    Thank you

    Charles E.
    1/29/2021 - Google

    I found the advice I received very informative and helpful.

Informative and considerate.  Allan Marshall & Associates was very kind when dealing with my personal bankruptcy.  Right from the moment I contacted them, we were greeted with someone that was considerate to our situation as I was going through a difficult time with my family.   When we finally booked our appointment, it was very professional, but they made us feel comfortable and gave us the information we were looking for.    I recommend them for any bankruptcy services you may need.

Locations in the Maritimes

We have locations throughout the Maritimes.  Find an office near you.

Talk to a Trustee

We take your questions very seriously. If you have a question about your debt, please contact us. We Can Help


Free Consultation
Will I lose my house?

If you have a house or vehicle secured by financing or mortgage you can keep them as long as the loan is current and remains up to date.  Each situation is different, and your home will be discussed with you at a consultation.  If your property has any equity,  you should discuss this with your trustee.

If I declare bankruptcy does my spouse have to?

No, your spouse can decide how they need to proceed based on their own finances.   Sometimes it makes sense for couples to file together and other times it makes sense for only one partner to file a proposal or bankruptcy.

Who We Are

At Allan Marshall & Associates, we surround ourselves with experienced, caring and dedicated Trustees and Administrators who are there to listen to you.  We will assess your situation and inform you of all possible solutions for your financial needs.

New Brunswick

Allan D. Marshall is the President of Allan Marshall & Associates Inc and has been working in the insolvency industry since 1972. Mr. Marshall opened an independent insolvency firm in 1982 which is today incorporated under the name “Allan Marshall & Associates Inc”.

“When I started the company 30 years ago, I knew the company would be bigger than providing debt solutions and credit counselling services. Our work has been about supporting the families of the Maritimes as they face some of the most challenging times of their lives. Years later, we’ve had the privilege of standing beside hundreds of families, helping them pave a way of hope”

Allan D. MarshallLicensed Insolvency Trustee & President
Mark Marshall - Headshot

New Brunswick: Saint John office

“I try to give every individual I meet advice on all of their available options relating to their financial health – discussing the pros and cons of each. Ultimately the individual will make their own decision on how they wish to proceed to correct their financial stress but with knowledge, comes informed decisions.” 


Mark has been working in the insolvency field for 19 years, first as an administrative assistant followed as a counsellor, then an estate administrator, and as a Licensed Insolvency Trustee for the past 6 years.

When clients visit, he wants them to feel comfortable, un-judged and he does his best to explain all their options clearly so that when they leave they can make an informed decision.

He also enjoys hearing how their decisions help them to move forward with a fresh financial start.

In his spare time, Mark enjoys coaching both minor hockey in the winter months and minor baseball in the summer months. Outside of coaching, he likes to spend his spare time tinkering on his VW camper van. Mark was also an active board member with Music NB (Provincial music association) for close to 10 years.


  • BBA, University of New Brunswick, 2000
  • CIRP (Chartered Insolvency and Restructuring Professional), Canadian Association of Insolvency and Restructuring Professionals, 2012
  • Licensed Insolvency Trustee and Consumer Proposal Administrator, Government of Canada, 2013
Mark MarshallLicensed Insolvency Trustee

New Brunswick: Fredericton & Woodstock Offices.

“There isn’t anyone who understands debt more than a licensed trustee. I have always enjoy helping people restore balance and improve their quality of life by working together with the goal of solving their financial burdens.”

Robert D. JohnsonLicensed Insolvency Trustee

Nova Scotia : Halifax and Truro offices.

“I meet great people, we work together to find a solution to their financial difficulties and lift the burden that is holding them back from having a better life … I can’t imagine a more rewarding job!”


Francyne MyersLicensed Insolvency Trustee

From our Blog

Read more about how to resolve your financial issues and how our Insolvency Trustee’s can help…

Contact Allan Marshall & Associates, Inc. – We Can Help


Contact Allan Marshall & Associates

Find an Allan Marshall & Associates, Inc. office location near you to book your free, confidential consultation with one of our licensed administrators in person or by phone.

Ready for a New Financial Future?

If you live in the Maritimes, there is an Allan Marshall & Associates office location near you. We’ll meet with you in person or over the phone. Call 1-888-371-8900 to schedule your no-obligation consultation today.  We will explain all your options so you can make an informed decision. The information is free.

They took the stress out of the situation and made sure I was in complete understanding of the steps needed to get back on track. I walked in very stressed but I walked out with a sense of ease I haven’t felt in a long while!

Rob W, Moncton client

We Live Where You Live

Allan Marshall & Associates, in business since 1979, has eight conveniently located Maritimes offices in New Brunswick, Nova Scotia and Prince Edward Island. These offices are part of your community, so you can be assured of getting the personalized service you deserve.

We have helped people from Bridgewater, Charlottetown, Fredericton, Halifax, Moncton, Saint John, Truro and Woodstock, as well as the surrounding cities and towns.

Why Choose Allan Marshall & Associates

We live where you live. At Allan Marshall & Associates, we are uniquely qualified to understand the local economic environment and help you through your individual situation. 

We understand your immediate concerns. That’s because our Trustees listen to you and assist you in identifying solutions, resolving your debt and keeping you on track for the future.

You need options? We present them to you, helping you to resolve your immediate problems and remain debt-free. Whether you require full bankruptcy service, a Consumer Proposal, credit counselling, or something in-between, we’ve got you covered.

Learn more:

Contact Allan Marshall & Associates
Call 1-888-371-8900 to schedule your no-obligation consultation today. 

How Do I Get Started?

Contact us at our toll free number 1-888-371-8900 or feel free to send an email or use the contact form instead. You’ll receive a personal response so that you can set up a free consultation at your convenience. 

You will meet personally with one of our licensed trustees dedicated to understanding your individual situation. Allan Marshall & Associate Trustees are friendly, yet professional. You can be assured that you’re in good hands.

We’ve helped many Atlantic Canadians find relief from debt. We can help you, too. 

It’s an important decision…and we are pleased that you are placing your trust in Allan Marshall & Associates.

We are open and here to help during this COVID-19 crisis. Call or email us for debt help.