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Consultation for Debt Consolidation in Belleville, Trenton and Surrounding Areas

Using credit cards, loans and other forms of credit are great ways to buy the things you need, but only if you can pay them off in a timely fashion. Debt can seem to drown you if you have too much of it. If you have become insolvent, or unable to pay off the debts you owe, you may need to consider debt consolidation. 


Rely on F. J. Zielski & Associates Inc for a helpful debt consolidation consultation in Belleville and Trenton. We’ll discuss your debt and find the help you need.


Consolidating your debt allows you to pay it off in a manageable way. With a debt consolidation loan, several payments are combined into one smaller payment that is the same amount every month. You can pay off multiple debts such as credit cards, student loans and personal loans with this method.


Through debt consolidation, you also save money on interest because secured loans have less interest than the credit cards you might be paying with currently.

How F. J. Zielski & Associates Inc Can Help

Paying off creditors can be difficult, especially if there are many that you have to deal with. Instead of dreading calls from phone numbers you don’t recognize and worrying every time someone knocks on your door, get help paying off your debt. The Licensed Insolvency Trustees at F. J. Zielski & Associates Inc have the knowledge and experience to help you choose the best way to consolidate your debt.


When you call us for a debt consolidation consultation, we’ll go over your debt and find a plan of action to help you pay off your creditors. We can explain the benefits of different plans, such as consumer proposals and bankruptcy so you have a clear understanding of every option. Overwhelming debt is a stress that no one should suffer for long. If you need help refinancing your debt, call F. J. Zielski & Associates Inc for a debt consolidation consultation in Trenton, Belleville, Kingston and surrounding areas.

A man holding a debit card and smiling looking at his laptop

Statement of Income Form

Provide details on your income and expenses before your appointment.

Restructuring Worksheet

Fill out our restructuring worksheet before your consultation.

Income Tax Information

Prepare and file your taxes with the help of our questionnaire.

Consider Your Options

Debt Consolidation

Refinance your home or apply for a loan to cover ALL of your debt.
Set up a monthly payment at a fixed interest rate.

Your debt stays the same and you may risk running up your credit card balances again.

Credit Counselling

Debt management plan consolidates unsecured debt into one monthly payment. All your creditors must agree as each card gets paid off and the account is closed. Once all your debts are paid in full, you complete the program.
R7 rating for 2 years after completion.

Personal Bankruptcy

Get out of debt in 9-21 months. Government-regulated administered through the Bankruptcy and Insolvency Act. Creditors have no control over your decision to file. Non-exempt assets are surrendered.
R9 rating for 6 years (14 years if it is your second bankruptcy).

Consumer Proposal

Pay back a portion of your debt over 5 years and keep your assets. All of your unsecured debt in one monthly payment you CAN afford. Binding all creditors if the majority of debt approves.
R7 rating for 3 years after your last payment.

“The most common means of undoing debt.”

Take Control and Hit the Z-Key F. J. Zielski & Associates Your Trusted Friends at Undoing Debt.

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