Doyle Salewski has helped thousands get free of debt!
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
Our team of Debt Relief Managers & Certified Counsellors are ready to help you navigate everything from tax debt with the CRA to leftover student loan debt and everything in between. Learn more about some of the challenges we successfully help our clients navigate:
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.
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.
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.
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.
Compare Your Debt Options
Enter your total amount of debt (excluding mortgage and car loans) and we’ll show you a list of options.
Consumer Proposals
Our Ottawa 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
There is more than one way to consolidate debt. Debt consolidation options vary considerably depending on your situation.
“I would absolutely recommend Doyle Salewski if you’re in debt. They are amazing and work miracles.”
Seeking Advice?
Find An Office Near You!
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%.
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.
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.
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.
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.
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.
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.