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Licensed Insolvency Trustee
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Doyle Salewski: Expert Debt Relief Strategies For Canadians
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.
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.
How We Help You
Discover the power of our exceptional team of Debt Relief Managers & Certified Counsellors, ready to guide you through a myriad of financial challenges. Whether you’re burdened by tax debt with the CRA, trapped in the clutches of student loans, or grappling with other financial obstacles, we have the expertise to deliver remarkable solutions. Our proven strategies provide relief and empower you to conquer your financial burdens. Beyond debt relief, we offer holistic financial advice, personalized solutions, and a commitment to your long-term financial well-being. Join the countless individuals who have experienced life-changing transformations with our services. Take the first step towards financial independence and schedule a consultation with our team today.
Consumer Proposal
Our consumer proposal service can provide debt consolidation and cut debt with no interest. Legally write-off virtually all consumer, business and even government debt by filing a Consumer Proposal.
Bankruptcy
The decision to file for bankruptcy is yours – no creditor or other party can stop you from seeking the protection of bankruptcy in Canada. Learn how our bankruptcy trustee in Ottawa can help.
Credit Counselling
Credit counselling offers diverse debt consolidation solutions. Depending on your circumstances, our experienced team provides tailored options to regain financial control and guide you towards a brighter financial future.
“I would absolutely recommend Doyle Salewski if you’re in debt. They are amazing and work miracles.”
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Frequently Asked Questions
Your free consultation is free, fully confidential, and carries no obligation. If you decide to proceed with any of the options presented to you, your debt relief manager will determine the cost at that time, based on the choice you make.
While Doyle Salewski’s head office is in Ottawa, we have a number of locations throughout Ontario and Western Quebec. Choose the one most convenient to you.
We’re open during regular business hours from Monday to Friday. We can usually see you on the same day or within a few days.
We’ll need to know your monthly income, personal expenses, assets, and liabilities so that we can properly advise you. It’s helpful to have this information on hand when you call.
Using the information you bring with you, your Debt Relief Manager will review your assets and debts so that he/she can suggest your best options.
It isn’t necessary but can be helpful to have another set of eyes and ears present when you meet with your Debt Relief Manager. If someone has co-signed your debts, you might consider inviting them to attend with you. It’s also good for couples to attend together so that both parties understand the family budgeting and debt-related issues.
Your free consultation should take between one and two hours depending on your situation.
Yes. Personal income tax, HST, GST, and PST are all debts that can be included in a consumer proposal. If you owe a significant amount of tax debt, you should see a trustee immediately.
A proposal can be refused, but if it’s reasonable, your creditors are likely to accept it. At Doyle Salewski our Proposal Acceptance Rate is 99%.
Creditors must stop calling you for payment as soon as they are notified of your filing, whether you have told them about it yourself when they call or they have received the proposal documents from the trustee. If one of your creditors or a collection agency continues to harass you, let us know and we will deal with it immediately.
You are required to attend two counselling sessions in order to complete your proposal. Counselling is normally one on one with yourself and your Debt Relief Manager and covers areas such as:
money management skills
budgeting
enhancing clients’ well being
goal setting
implementing lifestyle changes
how to prevent a relapse
securing family co-operation
examining what brought about your financial distress.
In a Consumer Proposal, our fees are paid according to a government tariff that your Debt Relief Manager will explain to you when your proposal is put together. The fee will be included in the amount you pay to the trustee for distribution to your creditors. There will be no surprises or extra charges.
Only a licensed insolvency trustee can initiate and process bankruptcy proceedings. You generally don’t need a lawyer unless your circumstances are particularly complex, in which case your trustee will work with your choice of counsel.
No. In fact, a Canadian bank cannot refuse to open a personal bank account for any of the following reasons:
bankruptcy
joblessness
lack of deposit funds at the time of opening the account
To find out more about personal bankruptcy and to determine whether you’re eligible to declare Bankruptcy —or if doing so is even your best option—you’ll need to speak with a licensed trustee. At Doyle Salewski, your first consultation is free, confidential, and carries no obligation, so call one of our professionals today, and let us help you find your path to financial relief.