Belleville: 613-966-8060 | Cobourg: 905-372-2237 | Kingston: 613-548-7070 | Trenton: 613-394-0707
Get Debt Help from a Licensed Insolvency Trustee in Belleville
The F. J. Zielski & Associates Inc team specializes in providing insolvency-related services for individuals and small business clients across Belleville. You can count on our experienced and knowledgeable counsellors and Licensed Insolvency Trustees in Belleville to take the time to understand your needs and offer support, advice and assistance with restructuring your finances. We aim to help you achieve all your financial goals and educate you on all the options available to set you on the path to a stress and debt-free life. We offer the following services:
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Debt consolidation programs can effectively combine two or more debts into a single payment, requiring lower total interest costs. We will explore your options and ensure you know all the details to make an informed decision.
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Credit counselling helps you manage your debt and gives you the tools you need to pay your creditors in full by reducing your payments in the long run.
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Personal bankruptcy to help dissolve your unpayable debts and give you a fresh financial start. Filing for bankruptcy is a difficult decision and our Licensed Insolvency Belleville Trustees will be by your side every step.
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Consumer proposals are a bankruptcy alternative. Depending on your monthly income and personal situation, we can help submit a proposal to reduce the amount you owe to your creditors and pay off a certain percentage over a specific period.
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Book your appointment with our Licensed insolvency trustee in Belleville today!
Signs You May Benefit from Debt Relief Services
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Many people have debt, but how do you know when to seek help? Here are some signs that debt relief services could make a difference in your life:
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You struggle to make minimum payments on credit cards or loans.
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You are borrowing from one creditor to pay another.
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Interest charges are consuming most of your payments.
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You avoid calls or letters from creditors.
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Your debt is affecting your emotional well-being or personal relationships.​​​
If any of these situations sound familiar, consulting with an experienced insolvency team in Belleville can provide a path to relief.
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Visit us today to reclaim financial freedom or learn more about our services.
Benefits of Employing a Licensed Insolvency Trustee
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Expertise in insolvency matters: LITs undergo rigorous training and examinations. They are well-versed in bankruptcy and insolvency law, making them adept at providing advising and guiding individuals or businesses through insolvency proceedings.
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Objective and impartial assistance: LITs are impartial professionals who provide objective advice tailored to each client’s unique situation. Their primary goal is to help you find the best solution for your financial troubles.
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Structured debt solutions: An LIT can help individuals file a consumer proposal, an agreement to pay a portion of the debt owed over a specified period, usually at no interest. This allows for a structured repayment plan, which can be more manageable than addressing debts separately.
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Ethical standards: Licensed Insolvency Belleville Trustees adhere to a strict code of ethics, ensuring transparency, honesty, and the best interests of the debtor.
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Legal representation: In legal proceedings surrounding bankruptcy or other insolvency solutions, a LIT acts as an intermediary between the debtor and the creditors, ensuring that the debtor's rights are upheld and the process goes smoothly.
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Transparent fees: Government standards regulate the costs associated with employing a LIT, ensuring fairness and transparency for the debtor.
Financial Tips to Stay Debt-Free
Here are some tips to keep your finances in check:
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Create a monthly budget: Track your income and expenses to ensure you’re not spending beyond your means.
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Build an emergency fund: Setting aside funds for unexpected expenses can prevent you from relying on credit.
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Limit credit card usage: Use credit cards sparingly, focusing on paying off balances in full each month.
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Avoid high-interest debt: Opt for lower-interest financing options if you need to borrow, and always compare rates.
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Review financial goals regularly: To stay on track, revisit your financial goals periodically and adjust your budget as needed.
Employing an LIT offers several benefits:
Reclaim Your Life With Our Customized Debt Solutions in Belleville
The experienced financial professionals at F. J. Zielski & Associates Inc will sit down with you to review your debt load and design a program that meets your needs. We will work with your creditors to eliminate or reduce interest and agree on a monthly payment amount you can afford.
Don’t let debt overwhelm you. Our LIT offer comprehensive debt management services in Belleville, Ontario, Cobourg, Kingston, and Trenton and provides you with a plan to help you reclaim your life and become debt-free! Call us today to schedule a free consultation with one of our qualified credit counsellors.
Why Us?
At F. J. Zielski & Associates Inc, we house skilled, licensed insolvency trustees and debt counsellors ready to advise on debt relief solutions like debt consolidation, consumer proposals, and bankruptcy. Rely on our team for effective debt management, whether you're overwhelmed by credit bills or seeking personal expense control. We offer varied solutions catering to distinct financial situations, from students to business owners. Our counsellors, with extensive program knowledge, will provide an unbiased view, guiding you to the most fitting solution. Embark on your debt-free journey with F. J. Zielski & Associates Inc. Need details? Call us.
FAQ
Common questions about insolvency in Belleville:
What Does a Licensed Insolvency Trustee in Belleville Do?
A Licensed Insolvency Trustee (LIT) in Belleville helps individuals and businesses manage debt through solutions like debt consolidation, consumer proposals, and bankruptcy. They offer skilled advice and act as intermediaries between you and your creditors.
Is Bankruptcy My Only Option for Debt Relief in Belleville?
No, bankruptcy is just one option. Our licensed insolvency trustees in Belleville can help you explore debt consolidation, consumer proposals, and credit counselling based on your needs.
Will a Consumer Proposal Affect My Credit?
Yes, a consumer proposal will impact your credit score. However, it’s often less severe than bankruptcy and can help you rebuild credit faster by allowing you to manage payments over time.
How Do I Know Which Debt Solution Is Right for Me?
Our insolvency team in Belleville will evaluate your financial situation and recommend the best solution tailored to your needs, ensuring you understand all available options.
Reclaim Your Financial Freedom Today
Struggling with debt? Our licensed insolvency team in Belleville are here to guide you with customized debt solutions.
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: jason@moneytrouble.ca
Jessica Yu: jessica@moneytrouble.ca
Lorraine Bourgeois: lorraine@moneytrouble.ca
Belleville Hours
Monday – Thursday: 9:00 AM - 5:00 PM
Friday: 9:00 AM - 4:00 PM
Evening/Weekend Appointments Available
Creditor Inquiries: fjzielski@moneytrouble.ca
Debt Relief: help@moneytrouble.ca