Meeting Your Trustee

We understand that taking the first step towards a better financial future is not easy.  Rest assured, our caring professionals will take the time to understand your situation and will work with you to find lasting solutions.  To prepare for your initial meeting, you should gather together as much of your financial information as possible, including: credit cards, birth certificate, recent credit card / debt statements, loan documents, car and ownership details, asset statements, mortgage statement, mortgage deed, a current pay stub and last year’s income tax return and assessment notice.

In addition please review the sections on Calculating Your Net Worth and Calculating Your Monthly Budget which will help you analyze your situation and get a better understanding of your financial issues.

At the initial meeting, we will assess your financial situation, explain your options and advise you as to which is your best option.   Once you decide how to proceed, we will prepare the required documents and have you review and sign them.  We will then file them with the Official Receiver of the Office of the Superintendent of Bankruptcy (an agency of the federal government).  Once the forms have been received and accepted by the Official Receiver (an employee of the Superintendent of Bankruptcy), you will either be in a Consumer Proposal or be bankrupt.