You complete an application form and provide us with the details of all your Credit Providers.

The Debt Counsellor will determine if you are OVER-INDEBTED (do monthly expenses and debt exceed your income?)

If you are found to be over-indebted, the Debt Counsellor will inform all your credit providers and the Credit Bureaus that you are under Debt Review. Your Credit Providers will also be requested to provide us with all the balances and information for your accounts.

After receiving all your account information, the Debt Counsellor will then restructure your payment plan and negotiate with your credit providers on your behalf. After negotiating with your credit providers, your new restructured payment plan is then sent to all your credit providers.

The Debt Counsellor will then instruct our specialist attorneys to get you a granted court order with the new restructured payments. You will not have to appear in court, your Debt Counsellor will be the applicant for you.