Get Debt Help from a Licensed Insolvency Trustee in Kingston

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

Lorraine Bourgeois: lorraine@moneytrouble.ca

Chrystal Bambrough: chrystal@moneytrouble.ca

Tina Zielski: tina@moneytrouble.ca

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

Consumer Proposals and More - Licensed Insolvency Trustee in Kingston

At F. J. Zielski & Associates Inc, our credit counselling in Belleville and Kingston can help you achieve financial stability. We recognize that handling debt can be difficult, but our knowledgeable staff is committed to offering individualized guidance based on your circumstances. Therefore, regardless of your financial obligations, including credit card debt, personal loans, and other debts, we are committed to helping you find the best solution.

So, if you are looking for efficient debt reduction solutions or credit counselling in Belleville, contact us today and experience our close collaboration with private citizens and small business owners regarding our consumer proposal Kingston services.

Our Specialization

F. J. Zielski & Associates Inc specializes in providing individuals and small business owners in Kingston with professional insolvency-related financial planning and restructuring services. If you’re overwhelmed with debt commitments and monthly payments and have trouble honouring them, our licensed insolvency trustee Kingston team can help!

When you call us, we will take the time to understand your debt concerns and shortcomings. Depending on your income and financial condition, we will work with you toward economic stability using the following debt solutions:

Suppose your income is insufficient to cover day-to-day expenses and your debt load, or you are facing wage garnishments, bank levies, lawsuits, or legal action by creditors. In these cases, you may be a good candidate for bankruptcy. Bankruptcy stops all legal action against you as soon as you file. Whatever your issue, you can trust our team to help you eliminate your credit card debt, lines of credit, and loan debt. Our licensed insolvency trustees in Kingston, Credit Counselling Belleville, will suggest all the tools, programs, and plans best suited to you.

We Can Help Design a Financial Plan Customized to Your Specific Needs

Don’t let debt adversely affect your emotions and relationships! F. J. Zielski & Associates Inc offers caring, dependable debt consolidation services in Kingston, Ontario. Our team will do everything possible to provide you with a plan and work towards becoming debt-free. When you are in debt, a Licensed Insolvency Trustee can help you in the following ways:

They can work with you on behalf of your creditors and are licensed by the federal government to administer a bankruptcy or proposal. They offer straightforward guidance and will help ensure that all parties comply with their duties and follow legal procedures.

They are trained specialists experienced in all kinds of bankruptcy and insolvency situations. Depending on your condition, they can suggest the most appropriate solution to get you in a comfortable and stress-free financial position.

They will assist you through the process from start to finish. They will help you understand your options, advise, and prepare the paperwork. From compiling documents and paperwork to settlement, administration, reviewing, and counselling, our Licensed Insolvency Trustee will be by your side every step.

As a licensed insolvency trustee in Kingston, F. J. Zielski & Associates Inc has an in-depth understanding of the local financial landscape.

For individuals and businesses in Kingston struggling with economic challenges, F. J. Zielski & Associates Inc offers a valuable combination of expertise, tailored financial planning, and local knowledge to help them regain their financial footing. We want to help you reclaim your life and your financial freedom. Call us today to schedule a free consultation with one of our qualified credit counsellors and Licensed Insolvency Trustees in Kingston.

Understanding Consumer Proposals in Kingston

A consumer proposal is a legally binding agreement arranged through a Licensed Insolvency Trustee, allowing individuals to repay a portion of their unsecured debt over time. In Kingston, F. J. Zielski & Associates Inc provides professional support in filing and managing consumer proposals under Canada's Bankruptcy and Insolvency Act. This debt relief option may suit individuals who cannot meet their financial obligations but wish to avoid bankruptcy.

Under a consumer proposal, debtors make structured payments based on what they can reasonably afford. The process typically involves negotiating with creditors to accept a reduced amount, with the remainder of the debt legally discharged upon successful completion. Once a proposal is filed, all collection activity, including wage garnishments and legal action, is halted. Call us today for more information.

Who May Benefit from a Consumer Proposal in Kingston

Individuals with unsecured debts under $250,000 (excluding the mortgage on their principal residence) may consider a consumer proposal. Residents of Kingston facing financial stress due to credit card debt, personal loans, or tax arrears may find this solution more manageable than other debt relief options. At F. J. Zielski & Associates Inc, our team endeavours to assist clients in assessing whether a consumer proposal aligns with their financial situation and long-term goals.

Individuals with a steady income often select consumer proposals that can commit to monthly payments but require relief from the total amount owed. Most creditors must approve the proposal (in dollar value), and once accepted, it becomes binding on all parties involved.

The Role of F. J. Zielski & Associates Inc in the Process

As a Licensed Insolvency Trustee, we manage the full scope of the consumer proposal process in Kingston. This includes conducting a confidential financial assessment, preparing the proposal terms, filing with the Office of the Superintendent of Bankruptcy, and communicating directly with creditors.

Our team strives to provide clear guidance and ensure all statutory requirements are met throughout the process. We aim to assist individuals in reducing their debt burden while preserving their assets and avoiding bankruptcy where possible.

A formal consultation with our licensed professionals is required to determine whether a consumer proposal is appropriate for your situation. Contact us today to book a consultation.

Why Choose Us ?

At F. J. Zielski & Associates Inc, we know Kingston residents and small company owners' financial difficulties. We aim to offer professional, dependable, customized financial planning and restructuring services linked to insolvency. Here's why you ought to pick us:

Professional advice: Our certified insolvency trustees provide knowledgeable counsel and are skilled in handling consumer proposals and bankruptcy. They ensure that all legal requirements are fulfilled in the letter.

Personalized solutions: Whether you're looking for bankruptcy, Belleville credit counselling, or debt consolidation, we can customize our solutions to fit your circumstances.

All-inclusive assistance: We help you at every stage, from the first consultation to the last settlement, by offering counselling, paperwork, settlement, and support.

Local expertise: As a Kingston-based company, we are thoroughly aware of the regional financial scene, which enables us to offer pertinent and valuable services.

Caring assistance: Our goals are to create a friendly atmosphere, acknowledge the emotional toll that debt may have, and offer reliable, considerate services.

Free consultation: We offer a free, no-obligation consultation with one of our effective insolvency trustees or licensed credit counsellors to understand your situation better and provide insightful, actionable guidance.

If you're looking for credit counselling in Kinston or Belleville, contact or visit us today to schedule your free consultation.