Debt relief is your chance to put your financial problems behind you. For too many Canadians, debt has become a way of life. Too much debt can lead to high levels of stress. It can even impact your future.
If you’re wondering how to find relief, we can help. By creating a program designed just for you, we may be able to show you the way out… without having to pay the entire amount that you owe.
We Can Help
Our program is designed to help you dispatch your debt in the quickest, most pain-free way possible – in many cases, for significantly less than what you currently owe. How do we do it? You get a personalized debt relief plan that draws from a range of different strategies. Our Licensed Insolvency Trustees will work with you to create a plan that:
- Allows you to reduce your debt more quickly
- Could offer you savings on your debt payments
- Leaves you feeling comfortable and secure about your financial future
The first step is finding out if you qualify.
Debt Relief: Do You Qualify?
Do any of the following apply to you? If so, you could benefit by calling us today:
- You have received letters or phone calls from your creditors
- Your spending outpaces your earnings
- You miss bill payments every month
- You have more stress in your life because you have too much debt
If so, you may want to consider working with a Licensed Insolvency Trustee(LIT). Only an LIT is licensed by the federal government and allowed by law to offer all the possible solutions for resolving debt, including a Consumer Debt Proposal. They can show you what you might be able to save by finding you the best solution for resolving your debt.
What are the Options When You Have Too Much Debt?
There are many different options for people who have too much debt. How do you know which one is right for you?
Talking to an LIT is a good first step. An LIT will take the time to understand your financial profile so they can find and apply the best solution for your individual case. They are trained and experienced in creating customized debt relief programs that offer real solutions.
Additionally, there are a number of reasons why Canadians find themselves with too much debt and LITs can help because they understand these reasons — they’ve seen many people just like yourself who have been in the same situation! It all starts with a conversation in person or on the phone.
Basically, there are three routes to financial freedom.
1. Consumer Proposals
A Consumer Proposal can only be submitted by a Licensed Insolvency Trustee (LIT). They’ll negotiate with your creditors and work hard to to get you the best possible savings. Finally, you can look forward to financial freedom, once the full settlement amount has been paid with your creditors.
2. Credit Counselling
Credit counselling is just one of several solutions to having too much debt. It’s not always the best answer for everyone. But it is the best way to learn how to manage your money, so you don’t go further into debt. It may even be a pathway toward gradually reducing your debt over the long term.
In a credit counselling program, you’ll learn ways to stick to a budget so you can work to reduce your debt. You’ll also learn how to use credit cards more wisely.
To find out if it’s the answer for you, ask yourself these questions:
- Are your current monthly payments too high for you to afford?
- Are you paying high-interest rates on multiple accounts?
- Are you up-to-date with payments on any of your credit cards?
- Can you afford to pay more each month than you already are?
If your answer to any of these questions is “no,” then credit counselling may not be the best form of debt relief for you. Talk to a member of our team to find out for sure.
3. Personal Bankruptcy
Personal Bankruptcy is typically considered an option of last resort, but sometimes it’s simply the right way to proceed. Most people don’t fully understand how bankruptcy works. But we can answer all your questions and work with you to find out whether it’s the right solution for you.
What’s the Smartest Way to Manage Debt?
Everyone wants to regain their financial footing. But not everyone benefits from a one-size-fits-all solution. The smartest way to manage your debt is to talk to someone who understands debt. Someone knowledgeable and skilled in explaining personalized debt relief information for today’s Canadians.
What Steps Should You Take Now?
For quality assurance, individualized attention and creating solutions that work, find an LIT who has an office near you. Keep in mind that consultations are typically free.
- Start with a Free Consultation.
- Learn About Your Options from a Licensed Insolvency Trustee (LIT).
- Discuss your options, ask questions, and choose the one that works best for you.
- Become Debt Free.
Debt Relief that Actually Works From a Company You Can Trust
Why Allan Marshall & Associates?
- Customized plans that work with your budget
- Free consultation
- Certified team, Licensed Insolvency Trustee firm
- Experience providing debt relief to thousands of Canadians
Our friendly team of professionals are always ready to answer your debt relief questions and provide support. We’re on your side and here to help every step of the way, so you don’t have to do this alone. To learn more about what you can do when you have too much debt, call today. We’re ready to help you start your journey toward financial freedom so you can get on with your life.