Looking to free yourself from financial difficulty?
We can help.

 

Restructure your debt payments
with a consumer proposal.

 

What if you could be debt free
without destroying your credit?

Licensed Insolvency Trustees & Administrators of Consumer Proposals

Find a solution that is right for your needs and free yourself of debt.

Bankruptcy

Applying for personal bankruptcy releases you from your debts and gives you a fresh financial start.  We’ll help you prepare documentation for bankruptcy and walk you through the process.

Consumer Proposals

Let us negotiate a payment plan for you though the filing of a consumer proposal. You don’t have to file for bankruptcy. Pay your creditors on a modified payment schedule with no further interest.

Credit Counselling

The first stage of the insolvency process is a financial appraisal interview called an assessment where the Licensed Insolvency Trustee discusses with you the statutory and non-statutory options that are available. Credit counselling is also provided as part of the bankruptcy and consumer proposal process.

Apply Today

Get started today. Download and complete our convenient online application form and bring it with you to your next appointment and save time.

Credit Counselling & Bankruptcy Help

Bankruptcy

Applying for personal bankruptcy can free you from all of your debts and allow you to start over. We can address your specific needs and help prepare documentation for bankruptcy, walking with you through the process. You will benefit by getting relief from your creditors and your budget will no longer be strained. Get back on your feet.

Consumer Proposals

Let us streamline the negotiating process for you through consumer proposals. Consumer proposals allow you to negotiate a settlement with your creditors and can avoid personal bankruptcy. You can design a plan with your creditors and pay them back on a negotiated schedule.

Avoid Bankruptcy

We can also help you resolve your debts without filing for bankruptcy. When you come to us for a consultation, we can discuss all available options with you. After carefully assessing your needs, we can determine the best course of action based on your personal needs.

Get Long-Term Debt Help

If you need financial counselling, we can also help you with that. Credit counselling can help you plan better for the future and know what kind of financial decisions to make. If you need a credit counsellor in Kamloops or Kelowna, D. Thode & Associates can help.

Save Your Business

Bankruptcy has the potential to destroy your business. If you want to avoid that kind of disaster, we will help you through the process. If personal bankruptcy is unavoidable, we will prepare the documentation and distribute assets to your creditors.

Tax Debt and the CRA

By | Blog, Featured

As they say, the only things we can truly count on are death and taxes. So, it’s not uncommon to come across clients who, for one reason or another, haven’t been able to meet their obligations to the CRA. • Employees who have not been taxed at source or who…

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Manage Credit Card Debt

By | Blog, Featured

Most Canadians carry a credit card or two, and this in and of itself is not a problem.  Credit cards offer convenience and flexibility, and used correctly, can help you build a good credit rating as well. Unfortunately though, not everyone is in the black with their credit card statements. …

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Consumer Proposals: What to Expect

By | Blog, Featured

The reasons people go into debt are different in every case, which is why it should come as no surprise to learn that the process of getting out of debt will also depend heavily on individual circumstances. In some cases, filing for bankruptcy will be the only option; while in…

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