mortgage insolvency

How Is My House Affected and Can We Keep It?


  • Mortgage payments and utility costs providing too little leftover income for other expenses
  • Creditors threatening or taking action to put a lien on your property
  • The time needed to sell your house and restructure your financial affairs

What We Can Do

  • Stop actions by creditors
  • Provide time to allow for an organized sales process
  • Arrange for assessment of value and equity in the house
  • In many instances, you are able to keep your house, even if you go bankrupt
  • Consolidate debts through mortgage refinancing and/or Formal insolvency filing resulting in a lower monthly payment than you are currently paying

Possible Solutions

  • Consumer Proposal (where debts are less than $250,000)
  • Division I Proposal for debts > $250,000
  • Consumer Bankruptcy
  • Assistance with equity loans and mortgage refinancing

How to Get Started

If you have questions about your house and what to happen to your debts, call for a free no-obligation consultation.


Call us today at 416.975.0910 or email us at


Overwhelmed By Debt Problems? We Can Relief Your Debt Pressures!


We speak:

  • Cantonese/ 廣東話
  • Hindi / हिंदी; Korean / 한국어
  • Mandarin / 普通话
  • Nepali / नेपाली
  • Russian / русский
  • Tamil / தமிழ்
  • and More!

Let us assist you in your mother tongue!

The following warning signs may indicate you need the assistance of a Licensed Insolvency Trustee:

  • Calls from collection agents
  • High credit card debt
  • Being turned down for loans
  • Low Credit Score
  • Making only minimum monthly payments
  • Garnishment of paycheque or bank account

Book Your 1 Hour FREE personal, no-obligation consultation today!