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Reduce Your Debt by Up-to 80%

Take Control and Hit the Z-Key

F. J. Zielski & Associates Inc is your trusted friend at undoing debt.

The world has changed, so have we. We are taking online appointments 24/7

Debt Relief Solutions in Belleville and Surrounding Areas

Are you looking for a trusted firm to help you with financial restructuring, consumer proposals, debt relief, and bankruptcy in Belleville? F. J. Zielski & Associates Inc can help you! We are a small firm based in Belleville, with a strong aim to help unfortunate debtors receive a fresh financial start. Our approach to each case is unique. We do not operate in a cookie-cutter manner where your file passes from office to office but offer you personalized care and attention. Our friendly and experienced staff are always reachable, and when you give us a call, you will know who you are talking to!

Take control and hit the Z-Key to contact F. J. Zielski & Associates Inc — your trusted friends at undoing debt.

Know Your Debt Problems

There could be several reasons that could lead you into debt. Some of these reasons are:

Job loss
Unpaid credit cards
Garnishment of wages
Investment loss
Marriage difficulties
Corporate downturn

We Are Your Debt Advisors in Belleville and Surrounding Areas

Handling your debt alone can prove to be a challenging task. When you have a dependable service provider by your side, your financial journey becomes a lot more manageable. At F. J. Zielski & Associates Inc, we have experienced Licensed Insolvency Trustees and debt counsellors on our team to offer advice and support for debt relief, including debt consolidation, debt arrangements, consumer proposals, and bankruptcy. 

Our professionals understand your needs and ensure to educate you about all the available options. Whether you decide on a consumer proposal or bankruptcy as the ideal solution for you, we will guide you through the debt relief process in Belleville.

Tailored Financial Solutions for Everyone

Whatever financial challenges you may be facing, our debt relief solutions in Belleville can help you create a plan to solve them. Relying on professionals for debt management is important if you want to reduce financial stress, get out of debt, or handle the money better. Some people feel burdened by credit card bills, while others want help in controlling their personal expenses. We believe in making financial well-being achievable for everyone.

  • Whether you are a student struggling with credit card debt or a business owner overwhelmed with accumulated debt, we have a solution for you. We offer options for individuals with income changes and those with a fixed income. Don’t try to make up for late or missed payments before reaching out to our office

  • With the right knowledge about a variety of programs and skills for debt management, our debt counsellors will put you on the path toward a solution that will work for you. Regardless of the problems, including reaching the credit card limits or bad credits, we will provide you with an objective view of your situation and help you figure out the most suitable solution that makes sense for you

  • We will work on your behalf to review all options to reduce or eliminate your debt and ensure that you receive all the relevant details to make a clear and informed decision. Our dedication to customer satisfaction makes us customize our services to handle your specific needs

Don’t let your debt hold you back from achieving your future financial goals. Start your journey to become debt-free today with F. J. Zielski & Associates Inc. If you need more information about our services, don’t hesitate to give us a call.

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 an 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:

3 persons discussing something looking at a laptop

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, whereby 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 fresh financial 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.

Why Choose F. J. Zielski & Associates Inc in Belleville, Kingston, Trenton and Cobourg?

F. J. Zielski & Associates Inc offers you an opportunity to restructure your finances and undo debt with a wide range of services. Here is why you should trust us for credit counselling: 

  • As insolvency and restructuring professionals, we have helped more than 10,000 clients since 1981

  • Our comprehensive solutions include credit counselling, consumer proposal, bankruptcy, receiver, liquidator, and insolvency services

  • We are proud to have friendly and approachable professionals on our team whom you can meet in person when you call our office

  • No matter the debt issue, our firm is here to provide you with advice and assistance to resolve corporate and individual debt circumstances

So, if you need our help in managing credit card debt and spending habits, Canada Revenue Agency tax issues, CERB, or student loan debt, schedule a consultation.

Contact Info

Head Office in Belleville

298 Coleman Street, Belleville, ON K8P 3J1

Belleville: 613-966-8060

Toll-free: 1-877-966-8060

Fax: 613-966-9018

Jason Zielski:

Lorraine Bourgeois:


Monday – Thursday: 9:00 AM - 5:00 PM

Friday: 9:00 AM - 4:00 PM

Evening/Weekend Appointments Available

Creditor Inquiries:

Book a Free – No-obligation Consultation




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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.

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