Live Your Life Free From Debt.

We Can Help


Restructure your debt payments
with a consumer proposal.


Getting Calls From Creditors?

We Can Help

Licensed Insolvency Trustees & Administrators of Consumer Proposals in Penticton

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


Applying for personal bankruptcy frees you from all debts and lets you start over. We’ll help you prepare documentation for bankruptcy and walk you through the process.

Consumer Proposals

Let us negotiate a process for you through consumer proposals. You don’t have to file for bankruptcy. Plan with creditors and pay them back on a modified schedule.

Credit Counselling

We can also help you resolve your debts without filing for bankruptcy. When you come to us for a consultation, we will discuss your options with you.

Apply Today

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

Penticton Consumer Proposals & Bankruptcy Trustees

Bankruptcy Trustee Penticton

Financial insecurity affects a huge number of people in Penticton.  It can lead to overwhelming stress and anxiety and can result in a less than favourable credit score.  The stress of collection calls at home and work, the inability to make bill payments and concerns over future obligations can often seem insurmountable.

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

The experienced Trustees at D. Thode & Associates are here to help. Credit counselling can address your financial concerns – no matter how big or small – and get you back on the road to financial stability. We will review your income and debt obligations and help you to find the solution that works best for you. What’s more is that we will walk you through the process and deal with your creditors on your behalf.

We can offer:

We help clients who have problems with budgeting, uncontrolled spending, overwhelming debt, and credit card issues. We offer a variety of solutions to your financial problems and we will help you to avoid bankruptcy if at all possible.  As trustees, we also have the authority to issue consumer proposals and help you declare bankruptcy if needed.   Whether you are suffering from personal debt or are trying to save your business, we can help you to stop incessant calls from creditors and get your finances back on track.

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.

Can I really reduce my debt by 80%?

By | Blog, Featured

The short answer is probably.  There are only 2 legal alternatives for reducing your debt in Canada.  The first alternative is bankruptcy. The second alternative is a Consumer Proposal, which is a legally binding agreement between you and your creditors.  A Consumer Proposal can only be prepared, filed and administered…

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Windfalls During Bankruptcy

By | Blog, Featured

When we approach bankruptcy as a potential solution for clients, it is with a clear picture of their financial situation and the knowledge that their best option is to clear their debts through the process.  So, what happens if one’s circumstances change before the bankruptcy is discharged? Many people assume…

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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…

Read More

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