Fill out our quick non-obligation form below and have an agent contact you.

About us

Read about our company and why you should trust us in eliminating your debt
Who we are
The Law Office of Cockburn & Associate understands that paying off your debts while undergoing a financial hardship can be a difficult and intimidating process. Our goal is to facilitate the settlement process while educating our clients. Our abundant tools allow you to feel secure and confident on your path to financial freedom. Our mission is not only to get our clients out of debt but, to inform them of their rights and responsibilities as well. We understand that our clients place their financial security in our hands and we do not take this lightly. We treat every client as a member of our close knit family and their financial successes are our own. We are constantly striving to find the most innovative tools in our industry to help you achieve peace of mind.
Earning her Masters degree in law at Fordham University, Ms. Cockburn, has over 8 years of legal experience dealing with litigation and prosecution matters in the areas of debt collections, business transactions and intellectual property. Ms. Cockburn holds a CDS designation (Certified Debt Specialist) and is a lifetime member of the IAPDA (International Association of Professional Debt Arbitrators). Under her direct supervision our staff has settled millions in consumer debt with various institutions, collection agencies and law firms both in the US and Canada.
Ms. Cockburn is licensed to practice law in the U.S. and Canada.

Request a free consultation

Fill out our quick non-obligation form below and have an agent contact you.


More Testimonials →

5 popular asked questions

A debt settlement is an agreement between you and the institution to which you owe your debt. The institution agrees to reduce the principal of your debt in exchange of a lump sum or an installment payment plan.

Our goal is to save you as much money as possible. However, each situation is unique. We are here to review your situation and give you an estimate of how much money you can save once we go over your accounts.

Our fees are based on the total amount of debt you enroll in the Program. All program fees are included in your monthly contribution to include; account set up fee, administration fees and monthly maintenance fee.

Settling your debts sooner rather than later is our ultimate goal. Our Program typically spans between 24 and 48 months. Once your enrollment agent identifies your unique situation he will prescribe and outline the plan that works best for you. Ultimately, it will depend on your ability to save money to pay the settlement offers and the willingness of your creditors to negotiate. During your first consultation, we will do our best to provide you with a general idea of how long the process will take for your specific situation.

Mostly all unsecured debt


The Golden Rule

We treat clients as we would want to be treated ourselves. Being in debt does not mean that you are less of a person. Debt happens for many reasons, but the reasons are irrelevant. Asking for help takes courage and that means that you deserve respect. We respect the personal beliefs, differences, rights, values and privacy of all with whom we interact.

Resource Centre

Every mountain top is within reach if you just keep climbing
Canadian Collection Agencies
A relatively small number of collection agencies dominate the collection industry in Canada. If you are receiving collection calls from a collection agency in connection with monies owing to a chartered bank, a credit card company, a large retailer, or a major utility or you have an outstanding student loan the odds are pretty high that you are receiving collection calls from one of the following—the biggest Canadian collection agencies. see list
Helpful Links
• Financial Consumer Agency of Canada (FCAC)
• Credit reporting agencies
• Office of the Superintendent of Bankruptcy
Canada Office of the Privacy Commissioner of Canada
see list
Prohibited Conduct
Each province and territory in Canada licenses and regulates the conduct of collection agencies. The relevant law governing the conduct of a collection agency and its employees is the provincial licensing statute in the province in which you live, regardless of where the collection agency contacting you is physically located. The following chart contains a list of all the provincial and territorial licensing statutes in Canada. Download PDF

Recent Settlements

See proof of how much money people have saved by joining our debt settlemet program
Debt $11,298.00 $857.87 $10,202.74 $7,932.64 $29,802.37
Settlement $4,500.00 $225.00 $3,500.00 $1,250.00 $10,000.00
Percentage 39.83% 26.23% 34.30% 15.76% 33.55%
Lender Amex Bank of Canada American Express Bank of Nova Scotia Canadian Tire Bank CIBC
more settlemets →

Request a free consultation

Fill out the form below to recieve a free and confidential intial consultation