Licensed Insolvency Trustee Vancouver
When Vancouver’s costs outpace your paycheque, a Licensed Insolvency Trustee can freeze interest, stop collectors and cut your unsecured debt, all through free phone or video advice.
- Reduce debt by up to 80%*
- Interest frozen once you file
- Advice by phone or video
or call (587) 701-5681
Free and confidential consultation
* Up to 80% reduction possible.
Regulated by the Office of the Superintendent of Bankruptcy
Why Vancouver residents call a Licensed Insolvency Trustee
Vancouver has some of the highest housing costs in Canada, and that leaves little room when something changes. A rent increase, a strata special levy, fewer hours at work or a mortgage renewal can turn manageable credit card and line of credit balances into debt that keeps growing.
Moses Advisory Group’s Licensed Insolvency Trustees help people across Metro Vancouver sort through that debt, from credit cards and unsecured lines of credit to tax owed to the CRA. Your first conversation is free, confidential and comes with no pressure to file anything.
In British Columbia, consumer proposals and bankruptcies can only be filed by a trustee licensed by the Office of the Superintendent of Bankruptcy. Trustee fees are fixed by federal regulation and come out of your payments, not your pocket upfront.
Is a creditor threatening to garnish your wages or freeze your bank account? Once your trustee files, most collection action has to stop. A short call will tell you what’s possible.
Robert Johnson, CPA, CA, CIRP
Licensed Insolvency Trustee
Get free, impartial debt advice from a Licensed Insolvency Trustee. We’ll call to explain your options.
1-hour callback (working hours)
No obligation.
Your home and assets
What happens to your home if you file in Vancouver?
Metro Vancouver’s benchmark home price was $1,068,600 in October 2026. British Columbia’s bankruptcy exemption for a principal residence in Metro Vancouver is just $12,000 of equity. That gap is why a consumer proposal is usually the better fit for homeowners.
A proposal doesn’t take your home or any other asset. You keep paying your mortgage or rent as usual and repay creditors an agreed portion of your unsecured debt. If bankruptcy turns out to be the right call, BC law lets you keep property up to these limits:
| BC bankruptcy exemption | Amount |
|---|---|
| Home equity in Metro Vancouver or the Capital Regional District | $12,000 |
| Home equity elsewhere in BC | $9,000 |
| One motor vehicle | $5,000 ($2,000 for maintenance debtors) |
| Household furnishings and appliances | $4,000 |
| Tools and equipment used for work | $10,000 |
| Necessary clothing | No set limit |
RRSPs and RRIFs are generally protected in a bankruptcy, apart from contributions made in the 12 months before you file. If a vehicle or other asset is worth more than its limit, your trustee will explain your options for keeping it.
Sources: B.C. Reg. 28/98, Court Order Enforcement Exemption Regulation; Greater Vancouver Realtors, October 2026 market report.
Choosing a path
Debt relief options for Vancouver residents
Your trustee looks at your income, your assets and what you owe, then lays out every option side by side. You choose, and nothing is filed until you’re ready.
Debt relief
Sometimes a budget reset, a conversation with creditors or a consolidation loan is enough. We’ll tell you if you don’t need a formal filing.
Consumer proposal
Chosen by more than 4 in 5 people who file in the Vancouver area. Settle your unsecured debt for less, in fixed payments over up to five years, while keeping your home.
Bankruptcy
Clears most unsecured debt, usually within 9 to 21 months for a first bankruptcy. Best suited to people with little equity or spare income.
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.
Metro Vancouver at a glance
Debt pressure in Metro Vancouver
Insolvency filings in the Vancouver area climbed over the past year, and household debt is still growing. The latest figures:
6,949
consumer insolvencies in the Vancouver area in the 12 months to June 30, 2026
+12.2%
more filings than in the previous 12 months
85%
of filers chose a consumer proposal in the first half of 2026
+19.1%
more bankruptcies in Q2 2026 than a year earlier
$24,507
average non-mortgage debt per Vancouver consumer, Q2 2026
+3.85%
growth in that average debt over the past year
Insolvency figures: Office of the Superintendent of Bankruptcy, Insolvency Statistics in Canada – Second Quarter of 2026, Vancouver census metropolitan area; the first-half share combines the report’s Q1 and Q2 2026 figures. Debt figures: Equifax Canada, Q2 2026 consumer credit trends, non-mortgage debt.
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.
Meet Robert Johnson, Licensed Insolvency Trustee
Robert Johnson is a Chartered Professional Accountant and Chartered Insolvency and Restructuring Professional who has spent more than two decades helping people through consumer proposals, bankruptcy and debt restructuring. As a Licensed Insolvency Trustee with Moses Advisory Group Inc., he works with clients in British Columbia, Alberta and Ontario.
Robert holds a licence from the Office of the Superintendent of Bankruptcy and belongs to CAIRP, Canada’s professional association for insolvency and restructuring practitioners.
“Money worries are stressful. My job is to listen, explain all your options, and help you choose the path that protects your home, your income and your peace of mind.”
Robert Johnson, CPA, CA, CIRP, Licensed Insolvency Trustee
Call us on (587) 701-5681
Where we help
Serving Vancouver, Burnaby, Richmond and the North Shore
Consultations happen by phone or video, so it doesn’t matter whether you live in Kitsilano or Coquitlam. Pick a time that suits your schedule and talk to a trustee from home.
- Downtown Vancouver
- West End
- Kitsilano
- Mount Pleasant
- Grandview-Woodland
- Kerrisdale
- Marpole
- Killarney
- Burnaby
- Richmond
- North Vancouver
- West Vancouver
- New Westminster
- Coquitlam
- Port Coquitlam
- Port Moody
Questions before you book? Call (587) 701-5681 and we’ll get back to you within one business day. We also help clients elsewhere in British Columbia.
Free no-obligation consultation.
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
Vancouver debt relief FAQs
Under BC’s Court Order Enforcement Act, 70 percent of your wages are protected from a creditor’s garnishing order, so up to 30 percent can be taken. The protected amount can’t drop below $100 a month, or $200 a month if you have dependants. Filing a consumer proposal or bankruptcy stops garnishments by your unsecured creditors, but not garnishments for family maintenance. Learn more about consumer proposals and wage garnishment.
Usually not after two years. BC’s Limitation Act generally gives a creditor two years from when the claim is discovered, typically when you stop paying, to start a lawsuit. A payment or a written acknowledgment of the debt can restart that clock. If a creditor already has a judgment, it can be enforced for up to 10 years. CRA tax debt and government student loans follow separate federal rules.
Not with a consumer proposal. A proposal lets you keep your home as long as you keep up the mortgage and strata fees, though your equity affects how much you’ll need to offer creditors. In a bankruptcy, BC protects only $12,000 of equity in a Metro Vancouver home, so homeowners usually look at a proposal first. Read more about what happens to your house in a bankruptcy.
No. You can meet your trustee by phone or video from anywhere in Metro Vancouver. Your paperwork is filed with the Office of the Superintendent of Bankruptcy, which has a Vancouver office on West Georgia Street.
In a consumer proposal, you keep your RRSP. In a bankruptcy, RRSPs and RRIFs are protected except for contributions made in the 12 months before you file. Group plans and locked-in accounts can have their own rules, so your trustee will review yours.
Yes. Personal income tax, GST/HST owed as a sole proprietor and other CRA debts can be included, and filing stops CRA collection action, including garnishments. The exception is tax debt secured by a lien registered on your property. See how to stop a CRA wage garnishment.
In the 12 months ending June 30, 2026, there were 6,949 consumer insolvencies in the Vancouver area, up 12.2 percent from the year before. More than four in five people who filed in the first half of 2026 chose a consumer proposal. Source: Office of the Superintendent of Bankruptcy, Insolvency Statistics in Canada – Second Quarter of 2026.
You choose a term of up to five years, and you can finish early by paying off the balance. After your proposal is filed, creditors have 45 days to request a meeting; if none is requested, the proposal is deemed accepted. Read more about how long a consumer proposal lasts.
Check that whoever you speak with is a Licensed Insolvency Trustee or a non-profit credit counsellor. Only a trustee can file a consumer proposal or bankruptcy, and trustee fees are set by federal law. Some for-profit debt consultants charge upfront fees and then refer you to a trustee anyway. Moses Advisory Group’s licence is listed in the Office of the Superintendent of Bankruptcy’s public directory.
Get debt help
Start with a free call to a Licensed Insolvency Trustee
Tell us what you owe and what’s worrying you most. We’ll explain where you stand under BC law and what each option would cost, with no obligation to go ahead.
- Phone or video across Metro Vancouver
- No cost and no obligation
- Federally regulated
Free no-obligation consultation.