HELPING YOU SOLVE YOUR DEBT PUZZLE
How We can help
Are you struggling with debt and unsure of where to turn?
At C.E. Craig & Associates Inc., our Licensed Insolvency Trustees (LITs) in British Columbia offer trusted, expert guidance to help you regain control of your finances. We provide personalized debt relief solutions tailored to your specific needs, whether through a consumer proposal, personal bankruptcy, or other debt relief strategies.
Book Your Free Consultation
Let’s explore your debt help options together.
What Is a Licensed Insolvency Trustee (LIT)?
A Licensed Insolvency Trustee is a federally regulated professional who is authorized by the Canadian government to provide debt relief services. As your LIT, we are your partner in finding the right solution for your financial challenges. Our role is to guide you through complex debt relief processes such as bankruptcy or a consumer proposal, ensuring you understand your rights and options every step of the way.
How Can a Licensed Insolvency Trustee Help You?
Whether you’re facing mounting debt, harassment from creditors, or simply overwhelmed by your financial situation, our team of Licensed Insolvency Trustees can help. Here’s how:
1. Stop Creditor Harassment
When you engage a Licensed Insolvency Trustee, we take immediate steps to stop creditor calls and legal actions. Once a formal insolvency process is initiated, creditors are legally required to stop contacting you.
2. Debt Assessment and Counselling
The first step to overcoming debt is understanding your financial situation. Our LITs will conduct a thorough debt assessment and offer credit counselling to help you better manage your finances. We’ll work with you to create a personalized plan that suits your needs and goals.
3. Explore Your Debt Relief Options
We offer a variety of debt relief solutions, including debt consolidation, consumer proposals, and personal bankruptcy. Our goal is to help you choose the best option for your situation, whether that’s consolidating your debts, negotiating with creditors, or seeking legal protection through bankruptcy.
4. Consumer Proposal
A consumer proposal allows you to negotiate a settlement with your creditors, often resulting in paying back a portion of what you owe over an extended period. Our LITs will negotiate on your behalf, helping you reduce your debt burden while avoiding bankruptcy. Proposals typically allow you to keep your assets, such as your home and car, and make affordable payments.
5. Personal Bankruptcy
For individuals who are unable to repay their debts, personal bankruptcy may be the best option. Filing for bankruptcy provides legal protection from creditors and allows for the discharge of most unsecured debts. Our LITs will manage the entire bankruptcy process for you, ensuring that you comply with all legal requirements and that your financial future is safeguarded.
6. Debt Consolidation Advice
If you’re considering a debt consolidation loan, we can help you evaluate whether this option is right for you. We’ll review the interest rates, terms, and long-term impact on your finances to ensure you make the best decision for your debt relief.
Why Choose C.E. Craig & Associates Inc.?
- Experienced and Trusted LITs: We have years of experience helping individuals in British Columbia find the best debt relief solutions.
- Personalized Solutions: We don’t believe in one-size-fits-all. We take the time to understand your unique financial situation and recommend the best course of action for you.
- Comprehensive Debt Relief Options: From consumer proposals to bankruptcy and debt consolidation advice, we offer a full range of services to help you resolve your debt.
- Free Initial Consultation: Not sure where to start? Contact us today for a free, no-obligation consultation to discuss your options.
Need Debt Help?
Get Debt Relief Now
Speak to a Licensed Insolvency Trustee Today
If you’re struggling with unmanageable debt, don’t wait. Take the first step towards financial freedom by speaking with one of our Licensed Insolvency Trustees today. At C.E. Craig & Associates Inc., we’re here to help you get the debt relief you need with compassion, professionalism, and expertise.
Testimonials
Client Testimonials & Reviews
Don’t just take it from us.
See what are happy clients have to say about solving their debt puzzle.
How We Help Individuals
Other Personal Insolvency Services
Personal Bankruptcy
When you are feeling overwhelmed with debt, a personal bankruptcy may be the best solution to help you make a fresh financial start.
Consumer Proposal vs Personal Bankruptcy
For those wanting debt relief, our insolvency team will provide you with advice on how to consolidate your debts into one easily manageable payment per month.
Debt Relief
For those wanting debt relief, our insolvency team will provide you with advice on how to consolidate your debts into one easily manageable payment per month.
Debt Resources & Information
Read the latest guides, insights, and resources prepared by our team to help you have peace of mind with your consumer proposal.
-
- Consumer Proposal
- |
- Financial Literacy
- |
- Personal Bankruptcy
How Do Insolvency Trustees Get Paid in Canada?
By Colleen Craig, CPA, CA, FCIRP • March 25, 2026If you’re considering a bankruptcy or consumer proposal, one of the most common and important questions is: How do Licensed Insolvency Trustees get paid? Many people worry about hidden fees -
- Consumer Proposal
- |
- Financial Literacy
- |
- Personal Bankruptcy
Student Loans in British Columbia: Repayment Relief, Consumer Proposals, and Bankruptcy Options
By Colleen Craig, CPA, CA, FCIRP • January 29, 2026Student loan debt is one of the most common financial pressures we see in our British Columbia insolvency practice, particularly when combined with credit cards, lines of credit, or tax -
- Consumer Proposal
- |
- Financial Literacy
- |
- Personal Bankruptcy
13 Strategies for Living Debt Free on One Income in 2025
By Colleen Craig, CPA, CA, FCIRP • July 16, 2025In today’s economic climate with rising interest rates, inflation pressures, and unpredictable expenses. Living debt-free may feel like an impossible dream. But with discipline, planning, and a few smart habits,
Contact Us
Reach out to a debt solutions manager today
There can be many solutions to debt problems and every person’s story is unique. At C.E. Craig & Associates Inc. we take the time to listen to you – to help find the best option for you. Every journey begins with one single step.