Debt help in Petawawa

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Serving Petawawa From our Pembroke Location

Nestled along the Ottawa River, Petawawa is a gem in Ontario’s Renfrew County. With its rich military history due to the presence of CFB Petawawa, the town has grown and evolved over the years. The base has played a significant role in shaping the town’s character and has brought together a diverse community of military families and civilians. The surrounding natural beauty, from the Petawawa River to the vast forests, has made it a haven for outdoor enthusiasts.

Petawawa’s growth has been steady, with the military base and the natural resources sector being major employers. The town’s resilience is evident in how it has faced challenges and continued to thrive. Since 1998, we’ve been dedicated to assisting Petawawa residents with their financial needs, providing guidance during challenging times.

Petawawa Services

At Doyle Salewski, we offer consumer proposals as a financial solution. By consulting with our Licensed Insolvency Trustees, you can gain insight into how a consumer proposal might benefit your financial circumstances. If your current debt is overwhelming and impossible to repay in full, a consumer proposal might be a suitable option. This allows you to make reduced payments, negotiated and agreed upon by both you and your creditors.

Our Licensed Insolvency Trustees will meet with you to assess your unique financial situation and craft a tailored plan. They'll evaluate your existing financial commitments to determine a feasible reduced payment rate and then draft the proposal. The trustee plays a pivotal role in ensuring a clear and mutual understanding of the terms between you and your creditors.

Essential Information on Consumer Proposals:

To initiate a consumer proposal, you should be ready to:

  • Clearly detail your present financial status.
  • Set and pursue realistic financial objectives.
  • Ensure timely payments.
  • Minimize unnecessary expenditures.

There are specific government-imposed criteria for a consumer proposal:

  • Debts should be less than $250,000, excluding your home mortgage.
  • Combined debts should be under $500,000.

If your outstanding debt, excluding home mortgage, exceeds $250,000, consult our Licensed Insolvency Trustees to determine if a Division I proposal is more appropriate.

Taking the Next Step with a Consumer Proposal:

Once you're committed to the aforementioned criteria, you'll have a foundational understanding of the process. We recommend discussing with a trustee at Doyle Salewski Petawawa to explore how a consumer proposal can assist you further. This will provide clarity on the expected duration of your repayments and the revised total debt.

For those currently employed, rest assured that a consumer proposal won't impact your income. Even if your earnings increase post-agreement, your monthly installment remains unchanged. If you're in a position to make some payments, a consumer proposal might be a strategic choice, enabling you to manage your finances while striving for financial stability.


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When you approach the advisors at Doyle Salewski Petawawa, you're reaching out to professionals who prioritize your well-being, treating you with the dignity and understanding you deserve. Our goal is to foster a sense of trust, ensuring you that our financial discussions remain private. We present you with solutions tailored to your financial needs, aligning with your budgetary constraints. Dive deeper for more insights on credit counselling in Petawawa:

Your Experience in a Credit Counselling Session

From our initial interaction, we invest time in understanding the nuances of your financial landscape. This enables us to recommend strategies that resonate with your unique financial scenario, ensuring that the advice we offer aligns seamlessly with your fiscal needs.

Engaging with Doyle Salewski Petawawa is the pivotal move towards navigating your financial challenges. We equip you with the necessary resources and direction, empowering you to regain financial control.

Why You Should Choose Us for Your Credit Counselling Needs

Financial challenges vary from individual to individual. Recognizing this, our solutions are crafted to cater to each person's distinct situation. The experts at Doyle Salewski will delineate the optimal strategy for your financial predicament, always keeping your debt, budget, and objectives at the forefront.

Our discussions might encompass avenues like bankruptcy protection, consumer proposals, or debt settlement strategies. Regardless of the path you opt for, we'll clarify the repayment structure, ensuring you're well-informed about your commitments.

A session with a Licensed Insolvency Trustee at Doyle Salewski Petawawa will enrich your understanding of the debt repayment journey. We're here to address all your queries and guide you meticulously through your tailored plan.


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Achieving financial independence often requires a tailored approach, as there's no one-size-fits-all solution. At Doyle Salewski Petawawa, we recognize this and provide you with strategies tailored to your unique financial circumstances. Our team of Licensed Insolvency Trustees is dedicated to presenting options that align with your budget, ensuring you're on a path to meet your financial objectives within a realistic timeframe.

If you're grappling with debts that seem insurmountable, one of our trustees might advise considering bankruptcy. While bankruptcy isn't always the first recommendation, in certain situations, it might be the most viable solution. To gain a deeper understanding of our bankruptcy services in Petawawa, a conversation with our team can be enlightening.

Criteria for Bankruptcy

To be eligible for bankruptcy as per Canadian regulations, you should:

  • Be indebted for at least $1,000.
  • Lack alternative means to settle your debts.
  • Not possess significant assets that can be leveraged for repayment.

If these conditions resonate with your situation, you can collaborate with a Licensed Insolvency Trustee to initiate the bankruptcy process. They'll elucidate the specifics, ensuring you're well-informed before making a commitment.

Understanding Bankruptcy

Even if you align with the aforementioned criteria, certain factors might inhibit your ability to file for bankruptcy. For instance, recent graduates with student loans less than 7 years old are ineligible.

Additionally, those with outstanding court fines, fraudulent debts, or pending child and spousal support payments cannot opt for bankruptcy. However, if such factors contribute to your financial strain, we encourage you to consult with a Licensed Insolvency Trustee at Doyle Salewski Petawawa. Alternative solutions might be available.

Post-Bankruptcy Commitments

Upon deciding to file for bankruptcy and meeting the necessary criteria, you'll be required to:

  • Attend two financial counselling sessions.
  • Regularly submit statements detailing your monthly income and expenses to your trustee.

Engaging with Doyle Salewski Petawawa ensures you're equipped with the insights needed to make informed financial decisions. From the onset to the conclusion of your journey, our trustees stand by you, offering guidance at every juncture.


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“I would absolutely recommend Doyle Salewski if you’re in debt. They are amazing and work miracles.”

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