Licensed Insolvency Trustee St. Albert
Stop collection calls, freeze interest and reduce what you owe through a government regulated consumer proposal or bankruptcy.
- 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 in St. Albert, AB
Moses Advisory Group is a Licensed Insolvency Trustee (LIT) firm serving St. Albert.
We help people who have fallen behind on debts they can no longer manage, including credit card balances, loans, or tax debts owed to the CRA. Finding out where you stand costs nothing, and there is no obligation to file.
A Licensed Insolvency Trustee is licensed and overseen by the federal Office of the Superintendent of Bankruptcy.
In Alberta, a consumer proposal or bankruptcy can only be filed through a Licensed Insolvency Trustee under the Bankruptcy and Insolvency Act.
We serve our St. Albert clients from our Edmonton office, a short drive away, in person, by phone or by video. If a creditor is moving to garnish your wages, speak to us first. Your consultation is free and confidential.
Get free, impartial debt advice from a Licensed Insolvency Trustee. We’ll call to explain your options.
1-hour callback (working hours)
No obligation.
What you keep when you file
St. Albert is a higher-income area, with a median family income of $140,629 against $114,600 for Alberta, so a lot of people have assets to protect.
People often put off dealing with debt because they are afraid of losing what they own. With a consumer proposal, your home, car, savings and other assets are protected while you repay part of what you owe.
Even in a bankruptcy, Alberta law lets you keep up to $40,000 of home equity, one vehicle, your household goods and your work tools.
Whether you own or rent, and regardless of how much you owe, the same protections apply. Your trustee will explain all your options.
Sources: Government of Alberta – Civil Enforcement Act, s. 88 and Government of Alberta – St. Albert Regional Dashboard
Meet your Licensed Insolvency Trustee serving St. Albert
Robert Johnson is a Licensed Insolvency Trustee (LIT) with Moses Advisory Group Inc. He has helped thousands of people across Edmonton and Northern Alberta deal with debt through consumer proposals, bankruptcy and expert advice.
Robert is licensed by the Office of the Superintendent of Bankruptcy and is a member of CAIRP, the Canadian Association of Insolvency and Restructuring Professionals.
“Anyone can get into debt. My job is to help you get out of debt and help you protect your home and your income.”
Robert Johnson, CPA, CA, CIRP, Licensed Insolvency Trustee
Call us on 1-587-701-5681
Debt solutions
Your debt relief options in St. Albert
Consumer proposals and bankruptcy are government regulated. Once you file, wage garnishment and collection calls stop.
Debt relief
Not sure which route fits? We look at what you owe, your income and your assets, then explain the options in plain terms. The call is free, and there is no obligation to proceed.
Consumer proposal
Combine what you owe into one fixed monthly payment, with the total reduced to what you can afford. Interest stops, and you keep your assets, including your home.
Bankruptcy
For debt that has become unmanageable, bankruptcy clears most of what you owe and gives you a fresh start. Alberta’s exemptions let you keep some of your property.
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
Location
Serving St. Albert from our Edmonton office
Our Licensed Insolvency Trustees serve St. Albert and the surrounding area from our downtown Edmonton office. There is no local branch, but you can meet in person, call, or connect by video to complete the entire process.
Inquiries and appointments:
Address:
9913 108 Ave NW Ste 200, Edmonton, AB T5H 1A5
Hours:
Monday – Friday: 8am – 5pm
Saturday: Closed
Sunday: Closed
By appointment only.
Accessibility:
Wheelchair accessible parking.
We respond to inquiries within 24 hours.
Areas we serve near St. Albert: St. Albert, Sturgeon County, Morinville, Legal, Gibbons, Bon Accord, and northwest Edmonton.
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
You likely do, if you owe under $250,000 outside your mortgage and have regular income. The test is whether you can afford a monthly payment once your essentials are covered, and whether your offer beats what creditors would collect in a bankruptcy. Your trustee works the figures out with you first.
Alberta protects up to $40,000 of equity in your principal residence, one of the higher exemptions in the country. If your equity sits below that, the home is safe in a bankruptcy. If it is above, a consumer proposal usually lets you keep the home and repay creditors over time instead.
Source: Government of Alberta – Civil Enforcement Act, s. 88
Yes. The day your trustee files, a stay of proceedings under the Bankruptcy and Insolvency Act stops wage garnishments and most creditor actions. The garnishment stops right away.
In a consumer proposal, no. You keep your assets and repay part of what you owe, so the bankruptcy exemption limits never apply. In a bankruptcy, Alberta protects a set amount of equity in your home, one vehicle and your household goods.
Yes. The firm is a federally regulated Licensed Insolvency Trustee practice. No other professional in Canada can file a consumer proposal or bankruptcy for you, or use a government filing to stop interest, fees and collection calls.
A first consultation can happen within a day or two. Once you decide to file, the paperwork moves quickly, and protection from creditors starts the moment your file is submitted. Most people are filed within two to three weeks of their first call.