Insolvency Services Our insolvency services are both for individuals and for business. We offer both personal debt solutions and business debt solutions. Personal Insolvency Services Consumer Proposal – Settlement offers to Creditors This is where you offer to settle your debts at less than their full value, with no interest. This will include all forms of debt, including student loans and Revenue Canada debt. Personal Bankruptcy This option allows anyone to go through a formal process and come out at the end with all of their debts being discharged. (There are some exceptional debts with are not discharged, such as some student loans, alimony/child support, etc.) Other informal Personal Insolvency Options Negotiating Directly with Creditors Credit Counselling Debt Consolidation Help Book an appointment today and see how we can help! Visit our business debt services if you are looking for help with your business debts. Recent Posts Putting Yourself in Debt by Saving for a Down Payment in Victoria Free Yourself from Financial Debts. Canadian Consumer Debt: at an All-Time High Canadian Insolvencies Have Hit a 20-year Low Bankruptcy Discharge Handbook