Your first visit is free and will assist you in determining the proper course of action given your present financial position. This session will:

• respond to your immediate problems (i.e. garnishees, judgments, creditor harassment, etc.); assess your financial situation and your ability to pay;     

• discuss the options available to you (i.e. better money management, budgeting, debt consolidation, orderly payment of debts, proposal to creditors and bankruptcy). We will ensure that you have a clear understanding of each option available to you, and why we recommend one option over another based on your individual circumstances;   

• review your rights and responsibilities and your creditor's rights and responsibilities.

We have four locations on Vancouver Island to serve you; resident offices in Nanaimo and Victoria, and satellite offices in Campbell River and Courtenay.

Please click on the "Contact" link for addresses, maps and email information.