Credit Counseling

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Credit Counseling

Every person has the right to be treated with respect and dignity by Collection Agencies, Debt Consulting Companies, and their agents. If you have found yourself in a situation where you are constantly being harassed by a collection agency or agent, give us a call TODAY! Before choosing someone to address your debt, ensure that you are dealing with an Ontario Ministry Registered Debt Settlement Company, a Licensed Lawyer/Paralegal, or a Licensed Insolvency Trustee. Unlike Debt Consultants, who cannot provide you with Legal Advice or protection regarding your debt, let us be your legal advocate in stopping the calls, ending the stress, and learn how you can fight back. If a Debt Consultant has charged you an upfront fee for their services prior to negotiating debt with a Trustee, Creditor, or Collection Agency, you have the right to demand those fees back! You have several options when dealing with untoward Collection Agencies or Debt Consulting Companies.

Debt Consulting Companies

In ALL cases, it’s best to avoid Debt Consulting Companies!
4 Pillars, the largest Debt Consulting Firm in Canada is operating as an unlicensed and unregistered Debt Settlement Company in Ontario.
4 Pillars is being sued by a class of Debtors in British Columbia for violating the Provincial Laws in the Province
Debt Consultants charge exorbitant and upfront fees for their services that are contrary to statutory laws.
Debt Consulting Companies have a long history of non-compliance and avoidance of Federal and Provincial Legislation and refuse oversight by ANY governing body.
Cannot provide you with Legal Advice regarding your Debt.
Typically are members of the BBB as a ruse, which offers no legal protection to the consumer.
May not collect fees from the debtor until such time that the Debt Consulting Company has successfully negotiated the debt with your Insolvency Trustee (45 days after a Consumer Proposal has been filed), Creditor or Collection Agency.
If a Debt Consulting Company has collected fees for their services prior to negotiating your debt, you may file a claim against them in the Superior Court of Justice and get a FULL Refund!
You have one year from the time of engagement with a Debt Consulting Company to demand a full refund! Give our office a call to protect Your Rights!
Debt Consulting Companies cannot protect you from wage garnishments, lawsuits or harassing phone calls by collection agencies.
Only Lawyers, Paralegals, and Insolvency Trustees can provide you with true protection.

Collection Agencies

May not use language that is threatening or intimidating.
May not use language that is excessive or puts undue pressure on you to pay.
Before the agency contacts you by phone, they must send you written notice.
A Collection Agency may not contact you more than 3 times in a 7 day period.
If a Collection Agency or Agent has violated any of these practices, Call our Office Today!

Consumer Proposal

Consolidate the majority of their debts into a manageable payment plan
Avoids Bankruptcy
Stops Wage Garnishments
Protects clients from being sued by their creditors and collection agencies
Is given the opportunity to make a manageable, no-interest monthly payment over time, usually between 36-54 months