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Licensed Insolvency Trustee

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Enter your total amount of debt (excluding mortgage and car loans) and we’ll show you a list of options. 

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Doyle Salewski has helped thousands get free of debt!


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. 

Debt consolidation

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.

Tax debt in Ottawa is common for individuals and small business owners. A recent article by the National Post found that the amount of uncollected tax in Canada is expected to hit $13 billion, so if you’re in debt to the Canada Revenue Agency (CRA), you’re definitely not alone.

The most stressful part of owing CRA is the power their collections department is afforded by the government of Canada: they can garnish wages, hold back HST/GST and child tax credits, freeze bank accounts, seize investments and even register a lien on your home. It can be incredibly stressful.


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A creditor has the right to file suit against you for a portion of your wages. If they win they will begin receiving a portion of your income directly from your employer. It’s a terrible position to be in, and in Ontario, the wage garnishment percentage is up to 50%. But even though a wage garnishment is a court order, Our proven debt relief solutions in Ottawa can stop it and allow you to regain access to your wages.


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While it’s never a good idea to simply ignore or avoid Collection Calls if you owe the debt they claim, you don’t have to put up with harassment tactics. You have rights and options. Get immediate relief from harassing creditor phone calls and lawsuits with our proven debt solutions in Ottawa.

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Are you being harassed by creditors? Are you getting notices from different companies every day? Let us deal with your creditors. We have been doing it for more than 25 years. Since 1996, we have helped people all over Ontario and Quebec fend off multiple creditors. We’ve dealt with all the banks, credit cards and utilities, we know how to get them to play ball and we can teach you to better manage your finances so you’re never in this position again. We offer the best credit card debt solutions in Ottawa.


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We have been helping thousands of Canadian students overcome their student loan debt. We can negotiate a new payback structure with the government by filing a consumer proposal on your behalf, or help you file for bankruptcy and discharge the loan completely.

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If you’re having trouble paying your credit card debt back, you’re not alone. The problem with accruing credit card debt is the interest. The Canadian average is 15.07%, only marginally smaller than the outrageous interest rates the payday loan outfits charge. We have helped people all over Ontario and Quebec clear their credit card debt in Ottawa. We’ve worked with all the major and independent card companies, we know how to negotiate with them and we can help you come up with a financial plan to avoid credit card debt in the future.


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Get Debt Help Today with a Free Consultation


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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.

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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.

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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

      Is there a cost to the free consultation?

      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.

      Which Doyle Salewski location is best for me?

      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.

      What should I have at hand when I call to speak with a Debt Relief Advisor?

      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.

      What happens at the first appointment?

      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.

      Should someone else come with me?

      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.

      How long will my free consultation take?

      Your free consultation should take between one and two hours depending on your situation.

      If I owe taxes, can they be included in a consumer proposal?

      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.

      Can my consumer proposal be refused?

      Will I lose my house?

      If you’d like to keep your home, you will be to do so under a consumer proposal. Even if it turns out that you are better off with bankruptcy if retaining the house makes sense from an emotional, family, and financial viewpoint, then we will make it happen.

      When will creditors stop coming after me for payments?

      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.

      What is counselling and do I have to take it?

      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
      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.

      How is Doyle Salewski paid in a Consumer Proposal?

      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.

      What will a Licensed Insolvency Trustee do for me?

      A Licensed Insolvency Trustee is an expert who will provide a free consultation to determine if, when, and how you should proceed & explain options other than bankruptcy, such as consolidation loans, remortgaging your home, borrowing from family/friends, budgeting, proposals, and/or selling assets.

      Do I need a lawyer?

      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.

      Who will know I’ve filed for bankruptcy? Will a notice be published in the newspaper?

      Most personal bankruptcies go undetected by family and friends. Only creditors and their agencies are formally advised by mail. Doyle Salewski Inc. will only discuss your bankruptcy with you, your creditors and bankruptcy officials.

      Can a bank refuse to open an account for me because I’m bankrupt?

      No. In fact, a Canadian bank cannot refuse to open a personal bank account for any of the following reasons:
      lack of deposit funds at the time of opening the account

      Where can I get more information about personal bankruptcy?

      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.

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