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CONGRATULATIONS! You’ve taken the 1st Step to Financial Freedom!
You’re in debt. It’s overwhelming and sleep eludes you? If your debt is unmanageable, our professional advice can help you make the right decision.
Most people who have filed personal bankruptcy or a consumer proposal with us in the past have reported that their personal, family and professional lives have improved once the stress of financial problems was removed from their lives.
Get your finances back on track
1. Contact a Trustee
The first step in dealing with your financial difficulties is to contact one of Janes & Noseworthy’s six offices across the province for a free, confidential initial consultation. The Trustees and Personal Debt Counsellors at Janes & Noseworthy handle more personal bankruptcies and consumer proposals than any other firm in Newfoundland and Labrador.
You can contact us in several ways:
- Call us toll free: 1-800-563-9779 or call an office nearest you.
- Send us an email. One of our experienced professionals will contact you as soon as possible.
- Online application form. If you like, you can complete our online application which outlines your financial picture – your income, assets and expenses. Once you have completed it you can then email or fax it to an office nearest you, or print it and bring it will with you for your consultation. When filling out the form, be sure to ‘Save As’ if you wish to keep the data you have entered into the form.
2. Meeting with a Trustee/Personal Debt Counsellor
Once you set up a meeting with one of our Trustees or Personal Debt Counsellors, they will review your financial situation with you and recommend the best course of action. In preparation for your meeting, you will need to gather all your financial papers including: pay stubs, income tax assessments, all bills, credit card, statements, etc. If you completed our online application form, take the form with you to your meeting.
3. Understand your options
Once you have met with a Trustee or Personal Debt Counsellor, take some time to review the information you’ve received. When faced with overwhelming money issues, it is important to understand the options available to you, some of which may be:
- Personal Bankruptcy
- a Consumer Proposal governed by the Bankruptcy and Insolvency Act
- an informal arrangement with creditors and/or debt counselling
- debt consolidation loans or refinancing
If you decide to go ahead, set up a time to meet with a Trustee to sign any necessary documents.
4. Counselling Sessions
As part of your plan to regain control of your finances, you will need to attend counselling sessions set up by our Personal Debt Counsellors. These sessions will provide you with the tools to assist you in managing your finances and establish budgets that will help you keep on track. If you have to declare bankruptcy, these counselling sessions are mandatory.