Licensed Insolvency Trustee Calgary
Our Licensed Insolvency Trustees in Calgary stop collection calls, freeze interest, and help you reduce what you owe through a consumer proposal or bankruptcy.
- Reduce debt by up to 80%*
- One monthly payment
- Government regulated
or call (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 Calgary, AB
If you need debt relief in Calgary, Moses Advisory Group can help you. We are Licensed Insolvency Trustees who provide debt relief solutions to help you eliminate unmanageable debt.
As Licensed Insolvency Trustees serving Calgary and Southern Alberta, we provide expert guidance on consumer proposals, bankruptcy and other debt relief solutions.
All Licensed Insolvency Trustees are licensed and regulated by the Office of the Superintendent of Bankruptcy Canada.
Whether you’re facing collection calls, wage garnishments, or are just struggling to make ends meet, our Calgary team will help you find the best solution to your debt problems.
Get started with a free, no-obligation consultation.
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.
Location
Visit our Calgary office
Our Licensed Insolvency Trustees serve Calgary and surrounding communities, including Airdrie, Okotoks, Cochrane, Chestermere, High River, and Strathmore.
Inquiries and appointments:
Address:
3400, 350 7 Ave SW, Calgary, Alberta T2P 3N9
Hours:
Monday – Friday: 8am – 5pm
Saturday: Closed
Sunday: Closed
By appointment only.
We respond to inquiries within one business day.
Meet your Calgary Licensed Insolvency Trustee
Robert Johnson is a Licensed Insolvency Trustee (LIT) with Moses Advisory Group Inc. He has more than 20 years of experience helping people across Calgary and Southern Alberta get back on their feet. He has assisted hundreds of individuals with consumer proposals and bankruptcies.
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.
“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 1-587-701-5681
Takes 30 seconds.
Debt solutions
Calgary debt relief solutions
Our Licensed Insolvency Trustees in Calgary 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
Areas
Serving Calgary and Southern Alberta
Moses Advisory Group’s Licensed Insolvency Trustees proudly serve Calgary and the surrounding communities. Wherever you live, we’re here to help.
- Downtown Calgary
- Calgary Southwest
- Calgary Northwest
- Calgary Southeast
- Calgary Northeast
- Beltline
- Kensington
- Mission
- Inglewood
- Bridgeland
- Airdrie
- Okotoks
- Cochrane
- Chestermere
- High River
- Strathmore
- Crossfield
- Black Diamond
We serve the entire province of Alberta.
No obligation.
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
A Licensed Insolvency Trustee (formerly bankruptcy trustee) is a professional licensed by the Office of the Superintendent of Bankruptcy Canada.
LITs can help you with any financial problem and are the only professionals legally authorized to administer consumer proposals and bankruptcies in Canada as per the Bankruptcy and Insolvency Act.
Moses Advisory Group has experienced Licensed Insolvency Trustees serving Calgary and Alberta.
When choosing a Licensed Insolvency Trustee in Calgary, look for experience, communication and respect.
Moses Advisory Group’s Licensed Insolvency Trustees have over 20 years of experience helping Albertans with debt.
We’ll explain your options in clear, simple terms so you always know what to expect. We answer all your questions so you feel listened to, respected, and clearly guided.
Debt takes its toll on your mental and physical health. We aim to make your stressful financial situation feel manageable. From the first conversation to the end of the process, you should feel guided and cared for by our whole team.
The Office of the Superintendent of Bankruptcy federally regulates all Licensed Insolvency Trustees in Canada.
We offer free, confidential consultations to help you find the right debt solution based on your financial situation.
Yes. Filing a consumer proposal with a Licensed Insolvency Trustee immediately stops all wage garnishments, collection calls, and creditor action.
This is called a Stay of Proceedings, and it takes effect as soon as your proposal is filed, relieving financial stress instantly.
When filing bankruptcy, our Licensed Insolvency Trustees can typically complete the process within 1-2 weeks.
The moment it’s filed, all collection action stops immediately.
The entire process, from the first consultation to filing, usually takes 2-3 weeks.
Alberta protects up to $40,000 in home equity, one of the highest exemptions in Canada. Learn more about bankruptcy in Alberta including all exemption details.
We’re a federally regulated, Licensed Insolvency Trustee (LIT) 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 debt settlement amount depends on your creditors, income and assets.
The aim of a consumer proposal is simple: reduce your monthly outgoings to a level you can actually manage, so you can finally get some financial stability.
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 a credit counselling service to lower interest rates and establish a repayment schedule.
Bankruptcy can discharge most debts but may require liquidating some assets.
Your Licensed Insolvency Trustee can also advise on debt consolidation and other ways to simplify your debts.
A consumer proposal is a legally binding agreement filed by a Licensed Insolvency Trustee with 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 a single, fixed monthly payment that 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.
Bankruptcy is a legal process under Canada’s Bankruptcy and Insolvency Act that provides relief when you can no longer meet your financial obligations.
By surrendering some of your assets and agreeing to specific responsibilities, you are freed from overwhelming debt.
Bankruptcy isn’t a sign of failure; it’s a legal safety net meant to help people make a fresh financial start.
In some cases, a consumer proposal might be a better option, as you can avoid losing important assets, such as your home, while resolving your debts.