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Debt Repayment Calculator
Find out what your monthly payments could look like with different repayment options.
Specific Debt Issues
CRA Debt Forgiveness
I owe money to the CRA and would like to know what my options are.
Dealing With Student Debt
I am unable to repay my student loans and need to know my options.
Wages Are Being Garnished
I am looking for a solution to stop creditors from garnishing my wages.
Free Professional Advice
I would like to talk to a debt expert about my current debt situation.
Debt Settlement Options
Filing a Personal Bankruptcy
I want to learn about declaring bankruptcy and eliminating my debts.
Filing a Consumer Proposal
I want to know about filing a consumer proposal and if it will work for me.
Debt Consolidation Options
I would like to understand the different options for consolidating debt.
Which Option is the Best?
I want to talk to a Licensed Insolvency Trustee about my options.
More About Personal Bankruptcy
How to Declare Bankruptcy in AB
I want to understand the bankruptcy process and the steps I would take.
What is the First Step?
What is the first step I need to take to declare bankruptcy?
Looking for a Bankruptcy Trustee?
Find out why you need a Licensed Insolvency Trustee instead.
Do I Need A Bankruptcy Lawyer?
What is the difference between a Bankruptcy Trustee and a Lawyer?
The Bankruptcy & Insolvency Act
Everything you need to know about Canada’s insolvency legislation.
Bankruptcy In Canada
How are bankruptcies different in Canada. How do they work?
Will I Lose My House?
I am unable to pay my debts and am worried about losing my house.
Will My Car Be Taken?
I’m afraid of losing my car and other assets if I file for bankruptcy.
More About Consumer Proposals
What is a Consumer Proposal?
Learn what consumer proposals are and how they work.
How Often Do Consumer Proposals Get Accepted
Goth’s Consumer Proposals get accepted at a rate of 99%.
Consumer Proposals and Your Credit
Learn how to get out of debt and build up a strong credit history.
Debt Consolidation With A Proposal
Find out how a consumer proposal compares to other consolidation options.
Blog Posts About Debt
We publish new content based on questions and feedback from our clients and visitors.
Will This Clear My Credit Report?
A Consumer Proposal or Personal Bankruptcy Will Clear Up My Credit Report Myth or Fact? Several times a week I get calls from individuals (debtors) who believe that if they go through a consumer proposal or personal bankruptcy their debts will be removed from their...
How Often Do Consumer Proposals Get Rejected?
How Often Do Consumer Proposals Get Rejected? And What Happens If They Are? Consumer Proposals get accepted in our office “eventually” at a rate of 98% or better. This means a combination of acceptance by creditors votes by the initial vote 45 days from the...
Do I Have To Disclose All Of My Debts?
Do I Have To Disclose All Debts In A Consumer Proposal Or Bankruptcy? Why It Matters When a consumer proposal or bankruptcy starts there is immediate protection from the collection action of all unsecured creditors against the debtor. To get this protection, certain...
Can I Make A Consumer Proposal To My Creditors By Myself?
Can I Make A Consumer Proposal To My Creditors By Myself? No, you can’t. But let’s make sure we are both talking about the same thing. If you ask a Licensed Insolvency Trustee (“LIT”) what a consumer proposal is, the LIT will tell you that it is a specific process...