Skip to content
Allan Marshall & Associates Inc. – Licensed Insolvency Trustee
If you’re dealing with debt in Calgary, you already know how heavy it can feel.
Maybe you’re juggling credit card payments while trying to keep up with rent. Maybe collection calls have started, and you’re not sure what to do next. Or maybe you’re simply tired of the constant worry and stress that keeps you up at night.
Whatever your situation looks like right now, one thing is important to understand: you are not alone, and there are solutions available.
This page is here to guide you through your options, help you understand what’s possible, and show you how to take that first step toward financial relief.
Find Debt Help in Calgary – Two Convenient Locations
When you’re ready to talk, accessibility matters.
Whether you live in the north, south, or anywhere in between, we offer two Calgary office locations to make getting help as simple and stress-free as possible. Both offices are by appointment only, ensuring you have a quiet, private space to talk through your financial situation.
Our North Calgary office is located in the Crowfoot area, inside the Crowfoot West Business Centre.
If you live in NW Calgary or surrounding communities, this location can save you time and make it easier to fit an appointment into your day. The area is well-known, with nearby shops and services, so you won’t feel like you’re navigating somewhere unfamiliar.
Like our south office, this location is also fully wheelchair accessible and designed to provide a professional, private setting where you can focus on finding solutions.
Located along Macleod Trail, our South Calgary office is easy to access whether you’re commuting from downtown or nearby communities.
You’ll find the office in a professional building near familiar landmarks like Chinook Centre, making it easy to locate.
This location is fully wheelchair accessible and offers a comfortable, welcoming environment where you can sit down and talk through your options without pressure.
Flexible Appointment Options
We understand that life is busy and dealing with your debt is often last on your mind. Flexibility is important.
That’s why we offer:
- Phone appointments
- Virtual consultations
- In-person meetings (by appointment)
Phones are answered Monday to Saturday, 9am–9pm, so you can reach out at a time that works for you.
Imagine finishing your workday, sitting down somewhere quiet, and finally having that conversation you’ve been putting off – without needing to travel. That flexibility can make taking the first step feel much more manageable.
How to Get Out of Debt in Calgary, Alberta
For many people, the hardest part isn’t the paperwork or the payments – it’s making the decision to reach out.
That first call can feel intimidating. You might be wondering:
- Will I be judged?
- Is my situation too far gone?
- What are my options?
Here’s the truth: most people feel a sense of relief almost immediately after taking that first step.
When you speak with a Licensed Insolvency Trustee, your situation is reviewed carefully and without judgment. You’ll have the opportunity to explain your debt struggles: whether it’s job loss, rising living costs, unexpected expenses, or something else entirely.
From there, we walk through your options together.
Instead of guessing or worrying about what might happen next, you have a clear plan. You know what your payments could look like. You understand how long it will take. And you finally feel like you’re back in control.
That’s what the right guidance can do.
What to Expect From a Free Consultation
If you’re unsure where to start, a free consultation is often the best first step.
During your consultation, we take the time to:
- Listen to your full financial situation
- Review your income, debts, and expenses
- Answer your questions clearly and honestly
- Explain all available options so that you can make an informed decision.
- This is not a sales meeting. It’s a conversation.
Suppose you’re carrying $35,000 in unsecured debt across credit cards and loans, and you’re only able to make minimum payments. You might feel like you’re stuck indefinitely. During a consultation, we can discuss solutions such as reducing that amount through a structured program or consolidating it into something more manageable.
Every situation is different. That’s why personalized advice matters.
And throughout the process, you’ll be treated with respect, discretion, and professionalism.
Debt Solutions Available in Calgary
There is no one-size-fits-all solution when it comes to debt. The right option depends on your income, assets, and long-term goals.
Here are some of the most common paths forward:
Credit Counselling
If your debt is manageable but overwhelming, credit counselling can help you build a structured repayment plan.
For example, if you owe $15,000 across multiple accounts, a counsellor may be able to work with creditors to reduce or eliminate interest. That means more of your payment goes toward the actual balance, helping you get out of debt faster.<
Debt Consolidation
Debt consolidation combines multiple debts into one single payment.
Imagine replacing five different payments – each with different interest rates – with one predictable monthly amount. This can simplify your finances and, in some cases, reduce interest costs.
However, it’s important to be cautious. Consolidation only works if you avoid taking on new debt afterward. Without that habit change, the problem can return.
Consumer Proposal
A Consumer Proposal is a formal, legally binding agreement that allows you to repay a portion of what you owe.
For instance, if you owe $40,000, your CP may only be a repayment of $25,000 over time, often with no interest. *situations differ
This option allows you to:
- Stop collection call
- Freeze interest
- Keep your assets in most cases
It’s one of the most commonly used solutions for Canadians dealing with unmanageable debt.
Bankruptcy
Bankruptcy is often seen as a last resort, but for some, it provides the fastest path to a fresh financial start.
It eliminates most unsecured debts and gives you the opportunity to rebuild.
While there are important considerations, such as impacts on your credit and potential asset implications, it exists for a reason: to help honest individuals move forward when debt becomes impossible to manage.
Why So Many People in Calgary Reach Out for Help
Financial struggles can happen to anyone.
In Calgary, we often see people dealing with:
- Job loss or reduced income
- Rising housing and living costs
- High-interest debt (like credit cards or payday loans)
- Unexpected expenses like medical bills or car repairs
Imagine your car breaks down and costs $2,500 to repair, but you don’t have savings. You put it on a credit card, and now interest starts building. Then another expense comes along. Over time, it adds up.
This is how many people fall into debt. – Not reckless spending, but through life happening.
Real Experiences From People We’ve Helped
Many people come to us feeling lost or stuck and unsure where to start.
Here’s what some have shared after taking that first step:
Everyone was very helpful and gave great advice and guidance. Glad I consulted with them.
Got me out of trouble – finally sleep at night!
I had no idea there was an actual solution… I finally have my life back in my own control.
These experiences are more common than you might think.
Debt is a solvable problem – and it often starts with a conversation.
Meet One of Your Calgary Debt Help Team
Jennifer decided to become a Licensed Insolvency Trustee after years of assisting individuals through financial difficulties as a financial counsellor. She is skilled at making you feel at ease when you speak with her or meet with her in person. Jennifer excels in normalizing conversations about debt. You are not alone in financial struggles, and she understands how difficult it is to manage money without proper guidance. Jennifer loves to travel and enjoys meeting new people.
Following your consultation, you will be presented with options. With your Trustee’s help, whether it’s Jennifer or another member of the Allan Marshall team, you can then make an informed decision about how to handle your financial challenges.
I had no idea there was an actual solution to my financial problems until I talked to the kind andsympathetic people here. Everyone was so friendly and patient, explaining my options and the process– which was so much less painful than I expected too. I am still reeling at the fact that Ifinally have my life back in my own control.
~ Calgary Review from Eva M.
Take the First Step Toward Debt Relief
If you’re feeling overwhelmed, unsure, or even just curious about your options, reaching out can make a real difference.
Imagine where you could be a few months from now:
- Fewer payments
- Less stress
- A clear plan forward
Frequently Asked Questions About Bankruptcy in Calgary
Yes. In Canada, only a Licensed Insolvency Trustee can legally administer a personal bankruptcy or consumer proposal. A Licensed Insolvency Trustee in Calgary will review your financial situation, explain all available debt relief options, and guide you through the process from start to finish.
To file for Bankruptcy in Calgary, you must meet with a Licensed Insolvency Trustee. During your confidential consultation, the trustee will review your debts, income, expenses, and assets, explain your options, and prepare the necessary paperwork if Bankruptcy is the right solution for your circumstances.
In many cases, filing bankruptcy or a consumer proposal immediately stops most unsecured creditor collection actions, including collection calls and wage garnishments. A Licensed Insolvency Trustee can explain how creditor protection applies to your specific situation.
Yes. Many types of CRA income tax debt can be included in a Bankruptcy or Consumer Proposal. However, if the CRA has already registered a lien or taken legal action, different rules may apply. A Licensed Insolvency Trustee can review your tax debt and explain your available options.
A Consumer Proposal may be a better option if you want to repay a portion of your debt while keeping your assets and making one affordable monthly payment. Bankruptcy may be more appropriate if your debts cannot reasonably be repaid. The right solution depends on your income, assets, debt level, and financial goals.
Call us today at 1-888-371-8900 for your free, no-obligation consultation. Your future is waiting. We’re here to help you explore your options, and move toward a more stable financial future. We Can Help™
Learn more:
