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"I never anticipated the amount of financial ruin divorce would cause but Sheila and her staff got me back on track."
You guys rock! If you are in debt and you need help negotiating with your creditors, talk to the good folks over at Canada Law Firm."
"I felt like I was going to drown in my debt... Sheila was very understanding... got my debt reduced to half"
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
HOW WE CAN HELP YOU?
The Golden RuleWe 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.
Canadian Collection AgenciesA 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 ConductEach 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
|Lender||Amex Bank of Canada||American Express||Bank of Nova Scotia||Canadian Tire Bank||CIBC|