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Why Work With A Licensed Insolvency Trustee (LIT)?

Government-approved debt relief programs are solutions legislated under Canadian law, specifically designed to assist individuals struggling with unmanageable levels of debt.

  • Expert Knowledge: LITs offer professional guidance, understanding all legal and financial aspects of insolvency proceedings.
  • Legal Protection: Filing through an LIT provides legal protection against creditors' actions and wage garnishments.
  • Skilled Negotiation: LITs can secure favorable settlement terms that might be unattainable on your own.
  • Stress and Time Saving:They handle all communication and negotiations, reducing your stress and saving time.

Doyle Salewski Works For You

Local Expertise, Regional Reach: Serving Ontario and Quebec

What is Government of Canada Approved Debt Relief?

Government-approved debt relief programs are solutions legislated under Canadian law, specifically designed to assist individuals struggling with unmanageable levels of debt. These programs include:

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1. Consumer Proposal

A legally binding process where you make an offer to your creditors to pay a portion of your debts over a period of time or extend the time you have to pay off the debts. 

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2. Bankruptcy

As a last resort, declaring bankruptcy can provide relief from debt. While it comes with significant financial consequences, it’s sometimes the necessary step to start anew.

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3. Credit Counselling

involves working with a credit counselling agency to develop a plan to pay off your debts. It’s an informal arrangement that can help you get back on track.

consumer proposals icon

1. Consumer Proposal

A legally binding process where you make an offer to your creditors to pay a portion of your debts over a period of time or extend the time you have to pay off the debts. 

bankruptcy con

2. Bankruptcy

As a last resort, declaring bankruptcy can provide relief from debt. While it comes with significant financial consequences, it’s sometimes the necessary step to start anew.

credit counselling icon

3. Credit Counselling

involves working with a credit counselling agency to develop a plan to pay off your debts. It’s an informal arrangement that can help you get back on track.

Doyle Salewski Inc. Logo

Doyle Salewski Inc. is a fully accredited Licensed Insolvency Trustee, registered with the Office of the Superintendent of Bankruptcy Canada. Our firm is dedicated to upholding the highest standards of practice, strictly adhering to all the regulations and requirements set forth in the Bankruptcy and Insolvency Act of Canada. This ensures that we provide professional, reliable, and legally compliant financial solutions to those facing insolvency issues.

To find our license on the government of Canada website, please click here.

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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
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.

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:
bankruptcy
joblessness
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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