Overwhelmed by debt? You’re not alone.
And you’re not out of options
Talk privately with a Licensed Insolvency Trustee to map a clear path forward.
Start with a 10-minute conversation
Debt stress shows up everywhere—sleepless nights, minimum payments that never move the needle, calls you don’t want to answer. What you need now is clarity: what can stop the spiral, fit your budget, and get you to debt-free with a timeline you can see.
Confidential
No obligation
No impact on your credit score
With Ginsberg Gingras, you can expect:
- A calm, friendly review of your full situation
- A realistic plan that fits your income and goals
- Clear next steps, explained in plain language
Path to relief (side-by-side, no pressure)
Every situation is different. We compare regulated and informal approaches so you understand potential effects on monthly payments, timelines, creditor actions, assets, and credit.
What we’ll cover together:
- Your starting point: balances, income, essential expenses
- Your priorities: protecting essentials, stopping calls, finishing on time
- Your options: side-by-side comparisons with trade-offs
- Your decision: you choose the path; we handle the paperwork
Our Solutions
Debt Consolidation
If your credit and income qualify, consolidating multiple debts into a single lower-interest loan can simplify payments and reduce interest costs. It does not reduce the principal you owe and approval depends on creditworthiness.
Best for:
- Stable income.
- Decent credit.
- Smaller overall debt.
Negotiation with Creditors
We work directly with your creditors to reduce interest, waive fees, or restructure payments. Results vary by creditor and aren’t guaranteed—but our experience improves your odds.
Best for:
- A few specific debts.
- Early-stage hardship.
Consumer Proposal (our recommended option)
A Consumer Proposal is a legally binding agreement with your creditors, arranged by a Licensed Insolvency Trustee. You repay only a portion of what you owe, in a single monthly payment, over up to 5 years—interest-free. Once accepted, creditors must stop collection actions.
Why many choose a Consumer Proposal:
- Reduce what you owe (not just the interest)
- Keep your assets in most cases
- No interest and a clear, fixed end date
- Protect your credit rating from further damage versus ongoing arrears
- Stop calls and garnishments once filed
Bankruptcy
Bankruptcy provides the strongest legal reset if your situation is severe. It stops collection actions and addresses unmanageable debt. We explain the process clearly so you understand duties, timelines, and what you may keep.
Best for:
- When a Consumer Proposal isn’t feasible.
Why Ginsberg Gingras
- Licensed Insolvency Trustees: Canada’s regulated professionals for formal debt solutions
- Human first: empathetic guidance, zero shaming
- Transparent: fees and steps explained before you decide
- End-to-end support: from first call to your final payment
How It Works
Free confidential assessment
Share your situation with a trustee. No obligation, no credit impact for the consultation.
Personalized plan
We compare options so you see payments, timelines, and trade-offs.
File or implement
Once filed, collection calls and legal actions generally must stop. You make one predictable payment.
Rebuild with confidence
We guide you through budgeting and credit rebuilding so you can move forward faster.
Frequently Asked Questions
What debts can be included?
Most unsecured debts (credit cards, lines of credit, personal loans, payday loans, some tax debts). We’ll confirm your exact mix.
Will people find out?
Your consultation is private and confidential.
What about my credit?
Different options affect credit differently. We explain the impact and how to rebuild—often sooner than you think.
How fast can we start?
After your assessment, we can move quickly and guide you through each step.
What do your services cost?
For formal processes, trustee fees are regulated and typically come from your monthly plan—no surprise charges.
Quick Eligibility Snapshot
You’re a good candidate for a structured plan if you’re:
- Making payments but balances aren’t moving
- Facing calls, fees, or rising interest
- Ready to follow one realistic monthly payment and a timeline you can see
Free consultation?
Leave us your contact details and an advisor will get in touch with you within 24 hours.