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Our Trustees/Debt Counsellors

Penney-Ian-colorIan Penney

Ian Penney leads Newfoundland and Labrador’s largest group of personal debt counsellors and insolvency and restructuring professionals.   He and his team have been helping individuals and businesses in financial difficulty for almost 30 years.  Ian is a Chartered Accountant, a Chartered Insolvency and Restructuring Professional and a Licensed Insolvency Trustee. Working from our head office in St. John’s, he can be reached at (709) 364-8148, 1-800-563-9779 or E:


Rick JanesRick Janes

Rick Janes, the founder of our firm in 1984, continues to assist in the leadership of the firm and also continues to assist both debtors and creditors solve their financial difficulties.   He has been helping Newfoundlanders & Labradorians solve their financial difficulties for thirty-seven years, twenty-eight of which he has lead the Janes & Noseworthy team.   Rick is a Chartered Insolvency & Restructuring Professional (being one of its founding members) and is a Licensed Insolvency Trustee. Rick can be reached at our St. John’s office at (709) 364-8148, 1-800-563-9779, E:


Derrick HutchensDerrick Hutchens

Derrick Hutchens, B. Comm., CIRP has been in public practice for about 30 years specializing in insolvency – consumer bankruptcy and commercial receivership/bankruptcy proceedings.   He provides assistance and advise to individuals and companies who are experiencing financial challenges.   Derrick obtained his Trustee license in 1986 and was admitted to the Canadian Association of Insolvency Restructuring Professionals as a general member.   Over the years Derrick has been very involved in the community having served on various boards and volunteering his time coaching and managing minor and junior hockey teams at both the local and provincial levels. Derrick can be reached at our St. John’s office at (709) 364-8148, 1-800-563-9779, E:


Richard CullenRichard Cullen

Richard (Rick) Cullen has been assisting Newfoundlanders and Labradorians with their personal financial problems since 1991 and has been a Licensed Insolvency Trustee since 1998.  Rick joined Janes &  Noseworthy in 2005 after accumulating fifteen years of experience in personal as well as corporate insolvency issues while working for a national accounting firm.  Rick has been involved in various charitable organizations over the years – and is currently Treasurer of his family’s church.  Rick can be reached at our St. John’s office (709) 364-8148, 1-800-563-9779, E:


David HoweDavid Howe

David Howe graduated from Memorial University of Newfoundland in 1989 with his Bachelor of Commerce (Co-op) Degree and began his professional career with Noseworthy Chapman Chartered Accountants at that time.  David obtained his professional designation as a Chartered Accountant in 1991 and as a Certified Management Accountant Designation in 1990.  He obtained his Chartered Insolvency Practitioner designation and became a Licensed Insolvency Trustee in 1997.  He was elected a Fellow of the Institute of Chartered Accountants of Newfoundland in 2004 in recognition of his contribution to the profession.  David’s primary areas of service include audit and assurance, taxation and business advisory services.  He also has experience in Forensic Accounting and Ligitation Support services as well as commercial insolvency services.  David can be reached at our St. John’s office at (709) 364-8148, 1-800-563-9779, E:


Jamie GairJamie Gair

Jamie Gair is a Personal Debt Counsellor who joined the Janes & Noseworthy team in 2004 and became a certified credit counsellor in 2005.  Since that time, he has been assisting residents of the Burin Peninsula find workable solutions to their money problems.  Jamie would be happy to meet with you to discuss your individual situation.  You can contact him at 709-279-3003, 1-877-979-0923. or E:


Darlene DroverDarlene Drover

Darlene Drover is a Personal Debt Counsellor assisting people with debt counselling and helping them find workable solutions to their money problems.  Darlene joined the Janes & Noseworthy team in 1994 and became a certified credit counsellor in 2001.  Contact Darlene at our Bay Roberts office for advice on your financial situation:  (709)  786-9609, 1-855-786-9609, or E: