Debt Settlement

In Edmonton & Northern Alberta

What Is Debt Settlement?

Debt Settlement may be used to describe one of several solutions designed to eliminate your unsecured debts through renegotiation or a legal process such as a consumer proposal or bankruptcy. There are a variety of informal settlement options including trying to negotiate directly with your creditors or having a debt counsellor propose a new repayment plan. As Licensed Insolvency Trustees we are the only professionals in Canada that are able to administer formal debt settlement solutions through the Bankruptcy and Insolvency Act. Filing for bankruptcy and filing a consumer proposal are the two formal options that are regulated by the federal government.

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Income Tax & CRA Debt Forgiveness

Find out what your options are to take care of debt with the CRA.

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Dealing With Student Loan Debt

Knowing all of your options can save you from wasting time and money.

Debt Settlement in Edmonton and Northern Alberta

Find out what debt settlement options are available!

FREE PROFESSIONAL ADVICE

Goth & Company are here to help. No cost. No obligation.

Client Reviews

See what our clients have to say about their experience with Goth & Company Ltd.

Goth & Company Ltd. LIT

4.7

Based on 316 reviews

When a situation in my life was causing severe hardship and I wasn't sure where to turn Goth & Company Ltd. was a saving grace! Barton Goth took the time to explain all of my options and provided clarity and honesty. He never once made me feel pressured to choose their services or made me feel like I was just "another customer" when I had some unusual circumstances his firm took the extra time to find the answers I needed. They made what was a VERY stressful time sensitive matter turn into a very easy and calm situation. I would never recommend using any other firm for these types of situations.

Christie B.

17:56 02 Mar 23

I have a very bad situation regarding my financials. Many years i tried to resolve that situation with no succsess at all. I`ve contacted several companies, individuals for help, but every time I had some reservations to not trust or believe them. I had personal contacts with two face to face but there was no conviction that I can be safe and everything will be OK. Years are passing, I`ve drown deeper and deeper. Praying wasn`t helpful.One day I saw advertise on FB about GOTH&Company. Suddenly lights were up in my had, "Let`s ask them" "Let`s try one more time" I said to myself. I contact them via E-Mail and response was so warm and promising. I continue folowing their instructions and meet first person in person at their site. Somehow I just start to trust. I was so lost in my life. Then I met another person there, then another, then another and I start feeling like I`m home with my family who is here to protect me and give me hope, strength and light to continue my life with hope for good. Now, after I follow their guidance and collect all info about my situation and me personaly, after they listen carefully, process of my freedom started to be reality. I am so confident that they will help anyone who need help this kind as I saw professionalism, honesty, selflessnes and pride what they are doing. Those people are very serious and so strong in their work to help others who are cornered and in agony as I was. I`m not anymore. I`m so calm, clear minded and hopeful, thanks to their work for me. Thank you GOTH&COMPANY for changing my life for good, forever. I wish you the best in your future business and connection with people. Sincerely, Just one of those simple man: Hasan Muratovic. Thank You.

Hasan M.

17:37 02 Mar 23

I called them after talking to other companies that were seemingly out for their own interests. They answered all my questions, were not judgmental, saved me thousands over the adds you see on FB companies. Made me feel like I might actually have hope of a better future. I would highly recommend them to anyone looking for advise on their debt solution options. Life changing.

amanda G.

15:46 02 Mar 23

I have nothing but good things to say about Goth & Company. Since the choice to trust our financial situation with Goth has begun, i have been relieved of unmentionable amount of stress. Trying to repay debts without any way to accomplish that task is a form of insanity. Such a relief to discover and relax with Goth's help.

Jewal B.

22:45 06 Feb 23

My experience with Goth & Company has been beyond amazing. I, thankfully, sought out a second opinion after initially seeing a trustee from another firm. I'm so grateful to have been led to Goth & Company, specifically Heather, Financial Administrator. I exited a very traumatic situation that led to my finances being damaged and I assure you I've been treated with the utmost professionalism, but also respect & compassion. I would have made a terrible mistake by signing with the initial trustee I saw at the other firm. Heather ensured to fully explore, explain and educate me about all of the options available and together we determined the best route to take. I feel I am on my journey of recovery as a whole but Goth & Company's entire team and efforts have made taking steps to clean up the financial piece a very positive experience. I give the entire team a 10. I feel incredibly grateful for the support, education, and implementation of my plan to move forward with my financial reparation process.Thank you so much, everyone, from Goth...especially Heather...Leah Lunger

Leah L.

16:11 06 Feb 23

I used Goth & Company previously & I found Mr. Goth to be highly knowledgeable, kind, caring, & friendly. He answered all of my questions that I had quickly. I wouldn't hesitate to use Goth & Company again in the future & give them high praise for the wonderful job that they do, during a stressful time that it can be.

Tom P.

17:06 03 Nov 22

I became a trustee for a family member and required insolvency consultation. Goth & Company was excellent at helping me navigate the debt load and was very professional in providing suggestion to move forward. I highly recommend this company for all insolvency issues whether it be for yourself, family member or friend!

Jackie R.

15:35 02 Nov 22

Goth & Company are professional, non judgemental, knowledgeable and very kind and courteous. I have used their services twice now and recommend them to anyone I know with Financial Hardships . I feel blessed to have come across them to help me work through my debts! All the staff there are awesome……From reception all the way to Trustee…..Hiy Hiy ( thank you in my Cree language) ……..Goth & Company

Teresa S.

11:03 09 Sep 22

Goth & Company Ltd. is what I am looking for. Their company has always been to help the clients the best way they can to get through their most difficult financial times. Their desire to put the client first has always been the priority, and if you want someone to help with your financial situation, please see Mr. Goth.

Francis R.

13:17 12 Aug 22

Goth & Company Ltd. helped me get back on track to financial freedom. They contact and deal with your debtors and come up with a plan for repayment that works for you. There is no judgment of you, no shame in seeking help to get your debts under control. Hey, life happens and sometimes you fall behind. Should it happen to you, Goth & Company are there to help you get back on track and get your life in order. Stop losing sleep at night worrying about your debt and give Goth & Company a call. You won't regret it, you have nothing to lose and only financial freedom to gain.

Parker C.

16:19 25 Jul 22

Excellent service !! Thank you for helping me with my financial debt /credit . It is not forever! I will find financial freedom within 5 years or sooner . To help me recover from this debt burden Goth Company will assist me with budgeting and financial debt/ credit counselling. Definitely a stress reducer! Very Grateful, Karen Rea

Bill R.

23:37 20 Jul 22

Jim and Bart of Goth and Company are the best! Professional, educated and compassionate in all their dealings. I have met them a number of times professionally and have the utmost respect for them and the work they do. I would never hesitate in recommending them to anyone looking for help with their debts.

Gerri N.

20:04 16 May 14

As a fellow Trustee, I can attest that Goth and Company is widely viewed as a leading firm in the personal insolvency market. I have known Barton Goth for several years and have collaborated with him on numerous matters. Barton has personally worked with me in helping individuals to complete their debt restructuring proceedings and successfully achieve a fresh start.

Blair M.

22:52 06 May 14

From time to time our firm needs to refer individuals to a Trustee in Bankruptcy in the Edmonton area and Goth & Company has been an excellent choice. A friendly voice answering the phone, combined with knowledgeable staff making themselves available to answer questions and schedule appointments leads to a great experience. We have always found their technical knowledge to be excellent and the feedback received from previous referrals is always positive. Thanks for your help Goth & Company.

Scott M.

16:46 05 May 14

I have been dealing with Barton Goth for over some time now and know him and his staff to be professional and experienced with insolvency issues. Their personal approach and commitment to providing one on one service is a credit to the Trustee community. Be it either a consumer proposal or a personal bankruptcy, I have no hesitation in recommending Baron and his team.

YRUInDebt

00:55 11 Apr 14

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The Things Debt Collectors Will Tell You…

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Can A Collection Agency Seize My Furniture?

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Frequently Asked Questions

Below are commonly asked questions about bankruptcy in Edmonton and in Alberta.

Who is Eligible to File for Bankruptcy in Edmonton/Alberta?

In Edmonton and Alberta, to be eligible to file for bankruptcy, you must:

Owe at least $1,000; and
Not be able to make your regular payments as they become due; or
Not be able to pay all of your debts if all your non-exempt property was sold.

How Much Does it Cost to File for Bankruptcy in Edmonton/Alberta?

There is a cost to file a bankruptcy that is regulated by the Federal Government. The cost is dependent on the following factors: Income, Family Size, and Assets you own.

For more information on the cost, you are best to contact Goth & Company Inc. directly and we can explain how the cost is determined in much greater detail.

Does the Filing of Bankruptcy Clear Me From All of My Debts?

While filing for bankruptcy will clear you from most of your debts, are a few exceptions. These exceptions include:

Secured creditors (eg. mortgage or car loan)
Court fines and penalties (including traffic violations)
Debts obtained by fraud or misrepresentation
Civil lawsuits involving intentional bodily harm, sexual assault or wrongful death
Student loans, if you have taken any classes in the 7 years prior to filing

Can My Creditors Continue to Harass me After I File for Bankruptcy?

No, upon the filing of a bankruptcy there is an automatic stay of proceedings. This is a legal procedure that revokes any of your unsecured creditors’ collection rights. If they call you, don’t panic. Just explain that a bankruptcy has been filed, and give them our name and phone number.