Committed to Helping You Achieve a Financial Fresh Start
Learn more about what F.J. Zielski & Associates Inc. can do for you!
F. J. Zielski & Associates: Licensed Insolvency Trustees in Belleville
Turn to F. J. Zielski & Associates Inc. for Licensed Insolvency Trustees in the Belleville area. Let our team help create a proposal that is right for you.
At F. J. Zielski & Associates Inc., we are a small firm whose mission is to help an unfortunate debtor receive a financial fresh start. You will meet the people who deal with your file, we do not operate a cookie cutter operation where your file passes from office to office. Our friendly and experienced staff are always reachable, and you will know who you are talking to!
If you are experiencing money trouble, contact us for a no charge consultation.
What Are Your Debt Problems?
- Job loss
- Overspending
- Unpaid credit cards
- Garnishment of wages
- Investment loss
- Marriage difficulties
- Corporate downturn
Financial Services from F. J. Zielski & Associates Inc.
If you are experiencing financial difficulties or “money trouble,” you probably have a lot of questions. What are your options for paying off the debt? What option is best for you?
There are a variety of options when you are experiencing money trouble. The starting point is a private, person-to-person consultation with a F. J. Zielski & Associates Inc. advisor, who will answer your questions and get you on the road to recovery. Visit one of our three locations (Belleville, Kingston, and Trenton) or call us in Cobourg to get started.
For individuals, corporations, high-income earners, and people residing outside of Canada, our advisors can help you understand:
- Credit counselling
Credit counselling can help you pay your creditors in full by reducing your payment. Talk to a credit-counselling agency about a Debt Management Plan today.
- Consumer proposal
A consumer proposal is an alternative to bankruptcy, where you offer to pay your creditors a percentage of what you owe them over a specific period of time. It is a compromise of your debt, where by you are able to retain your assets. The amount you pay depends on your personal situation and the amount of money you make.
- Personal bankruptcy
Bankruptcy is a legal process to help someone with money problems to receive a financial fresh start. When you declare bankruptcy, the trustee steps into your financial shoes and deals directly with your creditors for you.
- Other options
Instead of credit counselling, bankruptcy or a consumer proposal, there are several other options that may be right for you. Your F. J. Zielski & Associates Inc. advisor can help you explore:
- Debt arrangements
With this kind of arrangement, you can contact your creditors directly and arrange with them to pay off only a percentage of your debt or pay down your debt over a period of time. Before this arrangement can work, your creditors must agree to it, and you may have to sign a contract.
- Debt consolidation
With this option you deal directly with your bank to obtain a consolidation loan to refinance your debts into one new loan.
Unfortunately, if you are not proactive and follow one of the above options, your creditors will continue to demand money using collection agencies and will ultimately take legal action.
Recognizing the problem is the first step, doing nothing isn’t a solution – contact us today!
- Downloadable forms
These downloadable forms will give your F. J. Zielski & Associates Inc. advisor the information they need to assess your situation so you can make the right decision. Please complete the form as best you can and bring it to your free consultation. You may also be interested in downloading our monthly expense tracker to help organize your purchases.
Read Testimonials from Our Past Clients
At F. J. Zielski & Associates Inc., we are always looking for ways to improve our customer service. That’s why we encourage you to leave a testimonial. Feedback from you about your experience with our company allows us to better our services. Send us your testimonial today. F. J. Zielski & Associates Inc. is happy to serve Belleville, Kingston, Trenton, and Cobourg.
Respectful Service
“I would like to take the time to thank you for everything you’ve done for me and specially the way you treated me. It is very hard emotionally to go to bankruptcy; you feel low about yourself, about business mistakes you made, etc. You treated me with respect, understanding; never was harassed for payment, and you and your secretary were so nice to me. Nobody made me feel like a loser for that, and I thank you from the bottom of my heart. I don’t have any problems referring your service to my friends because I know from experience the way they will be treated. Thank you for making me feel special.”
- C. J.
About F. J. Zielski & Associates Inc.
Get to know the history and team behind our small firm.
Restructuring Worksheet
Fill out our restructuring worksheet before your consultation.
Statement of Income Form
Provide details on income and expenses before your appointment.
Recover from Financial Losses
Discuss your money troubles with our experienced advisors.
