Licensed Insolvency Trustee
Eliminate up to 80% of your debt
Our Licensed Insolvency Trustees can stop collection calls, freeze interest and reduce what you owe.
- Reduce debt by up to 80%*
- One monthly payment
- Government regulated
or call 1-587-701-5681
Free and confidential consultation
* Up to 80% reduction possible.
Regulated by the Office of the Superintendent of Bankruptcy
Licensed Insolvency Trustees across Canada
With over 20 years of experience, Moses Advisory Group is a Licensed Insolvency Trustee offering tailored debt solutions across Canada.
We serve clients throughout Alberta, Ontario, British Columbia, Nunavut and the Northwest Territories.
We have the expertise to help you get out of debt through proven debt relief solutions, including consumer proposals, bankruptcy and credit counselling.
We’ll explain your options, protect your rights, and help you choose the right option.
There’s no pressure or judgment, just clear guidance from experienced Licensed Insolvency Trustees.
Robert Johnson, CPA, CA, CIRP
Licensed Insolvency Trustee
Enter your details and we’ll call to talk through your options.
1-hour callback, in working hours
No obligation.
Debt solutions
You have debt relief options
Our Licensed Insolvency Trustees offer a range of debt solutions, including consumer proposals and bankruptcy.
Debt relief
A Licensed Insolvency Trustee can help you reduce your payments and stop wage garnishments and debt collectors.
Consumer proposal
Legally reduce what you owe and combine debts into one affordable monthly payment. It’s a formal debt settlement program.
Bankruptcy
A legal reset for when debt becomes unmanageable. Wipes most debts clean, giving you a fresh start. Often a last resort.
See the difference
Before help vs after help
See how much you could save.
Gabriella was paying $720 towards debt each month
Credit Cards
$9,225.20
Payday Loan
$7,231.15
Bank Loan
$5,860.20
CRA Debt
$4,078.52
Total Debt
$26,395.07
Monthly payment before and after
Before help
$720
After help
$160
Estimate your new monthly payment
Quick answers. Fast and free.
Example only. Individual results vary.
All types of debt
Whatever the debt, we can help
Credit Cards
Personal Loans
Payday Loans
Overdue Bills
CRA Debts
Student Loans
Overdrafts
Debt collectors
How it works
Getting started is easy
Check if you qualify
Answer a few quick questions
You’ll get a call back
We explain how it works
Discover your options
We’ll create a plan for your debt
Take the first step toward becoming debt free.
No in-person visit needed.
Reviews
Trusted by Canadians
Real reviews from real clients.
I had a wonderful experience with the Moses Advisory team, especially Janelle. She was kind, supportive, and made the entire process so much easier. I feel at ease and like a huge weight has been lifted off my shoulders.
Soheila Adelian
Nikolas was very kind, helpful and respectful. He explained very clearly and answers all the question politely. He is very professional and you can feel his empathy, sincerity and willing to help. Highly recommended.
Jaime Torres
The Moses Advisory Group team has been excellent. Professional and knowledgeable guidance. Great help in explaining the process and providing the necessary support. Recommend to anyone having financial issues to take advantage of their expertise.
Oluwaseun Fanawopo
Excellent! I was heavily in debt and extremely stressed out, but after the first consultation, they made a very affordable proposal for me. Since that day, my financial situation has improved tremendously! I would highly recommend them to anyone who is suffering from heavy financial difficulties.
Kashaija Stephen
Thanks to Neil from Moses Advisory Group for all your help. I appreciate all your help and understanding through what has been a difficult time. I would highly recommend them.
Candice Knight
Working with this group is great and they helped me greatly. Highly recommend for those with financial problems. Great job guys and thank you so much for all your help.
May Niegos
I’m very glad that this company was able to give us a lifeline during our financial problems. I’m very grateful for all the support especially to Niko who has helped and guided me along the way. I appreciate your support and very kind excellent service. Thank you all and more power to your company!
Jun Abanilla
Excellent service. Professional advice. Anyone who has financial questions and concerns will benefit from visiting their office. What a great experience. Thank you! Thank you!
Isabel Choconta
I’m very happy with Moses. The staff was very helpful, explained things well and are very knowledgable. They always answer the phone when I call or return phone call the same day. I am very thankful for them.
Rory Balchan
More reviews
FAQs
Frequently Asked Questions
We’re a Licensed Insolvency Trustee (LIT) that is federally regulated and licensed by the Canadian government.
In Canada, only a Licensed Insolvency Trustee can administer government debt relief programs, such as consumer proposals and bankruptcies.
They are the only professionals legally allowed to reduce your debt and stop interest, fees and collection calls.
Yes. A consumer proposal lets you pay back your unsecured debt based on what you can afford. This can potentially reduce your original debt by up to 80%. The final settlement amount depends on your creditors, income and assets.
Several debt relief options are available, including consumer proposals, debt management plans, and bankruptcy, depending on your financial situation.
Consumer proposals allow you to negotiate a reduced payment while keeping your assets.
Debt management plans involve working with credit counsellors to lower interest rates and establish a repayment schedule.
Bankruptcy can discharge most debts but may require liquidating some assets.
A consumer proposal is a legally binding agreement filed through a Licensed Insolvency Trustee between you and your unsecured creditors. In this agreement, you repay a percentage of what you owe to your creditors, while the remainder of the debt is forgiven.
With a consumer proposal, you can consolidate your unsecured debt into one simple monthly payment that remains fixed and does not increase over time.
Once the proposal is filed, you can freeze the interest on your debts, and you can also stop collection calls and wage garnishments due to legal protection known as a Stay of Proceedings.
You can eliminate most unsecured debts by filing a consumer proposal. Unsecured debts are those not secured against your assets, such as:
- Credit card debts
- Personal loans
- Payday loans
- Bank overdrafts
- Utility bills
- Unsecured lines of credit
- Tax debts (unless the CRA registers a lien on your property)
- Student loan debt if you haven’t been a student for seven years or more
- Unpaid rent
- Debts owed to friends and family.
You must include all your unsecured debts in a proposal.
To qualify for a consumer proposal:
- Your debts must be under $250,000, excluding your mortgage.
- You must be unable to pay your debts as they come due and owe more than your assets are worth.
- You should also be able to make a monthly repayment after essential bills.
- You must offer creditors more than they would get in bankruptcy.
Offices
Our office locations
Moses Advisory Group operates from offices in Alberta, with Licensed Insolvency Trustees available for in-person, phone or video meetings across Canada.
Edmonton
Head office
Address:
9913 108 Ave NW, Suite 200 Edmonton, Alberta T5H 1A5
By appointment only.
Calgary
Registered office
Address:
350 7 Ave SW #3400 Calgary, Alberta T2P 3N9
By appointment only.