What each offers
- Both file consumer proposals and personal bankruptcies.
- Both offer free initial consultations and nationwide coverage.
- Both provide the mandatory counselling sessions as part of the process.
- Fees are set by statute and paid from the proposal payments.
How to choose
- Compare the projected proposal payment and term from each.
- Ask about the local team and how reachable they are.
- Consider office convenience for in-person meetings if needed.
- Decide based on trust and clarity, not brand alone.
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Frequently asked questions
Trustee fees in a proposal are set by law and come out of the payments, so the cost structure is similar. Compare the projected monthly payment.
You can consult more than one before filing; after filing, switching is unusual. Choose carefully up front.
Often yes, depending on the province and the loan. A trustee can explain your specific situation.