Licensed Insolvency Trustee Edmonton
Our Edmonton Licensed Insolvency Trustees 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 Trustee services in Edmonton
Moses Advisory Group is a Licensed Insolvency Trustee (LIT) in Edmonton.
We help people across Edmonton and northern Alberta deal with debt they can’t keep up with, from credit cards and payday loans to CRA tax debt. Whatever you owe, it’s free to find out your options, and there’s no obligation to file.
All Licensed Insolvency Trustees are licensed and regulated by the Office of the Superintendent of Bankruptcy.
In Alberta, only a trustee is legally allowed to file a consumer proposal or a bankruptcy under the Bankruptcy and Insolvency Act.
Facing wage garnishment or collection action? Speak with our Edmonton team for a free, confidential consultation with no obligation.
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 Edmonton office
Our Licensed Insolvency Trustees serve Edmonton and surrounding communities, including Sherwood Park, St. Albert, Leduc, Fort Saskatchewan, Spruce Grove, and Stony Plain. You can meet us in person, by phone, or by video.
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 one business day.
Meet your Edmonton Licensed Insolvency Trustee
Robert Johnson is a Licensed Insolvency Trustee (LIT) with Moses Advisory Group Inc. He brings over 20 years of experience and has helped thousands of people across Edmonton and Northern Alberta get back on their feet through consumer proposals, bankruptcy, and debt restructuring.
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 wear people down. My job is to listen, lay out every option in plain terms, and help you pick the one 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
Debt solutions
Edmonton debt relief solutions
Our Licensed Insolvency Trustees in Edmonton offer government-regulated debt solutions. Each one can lower what you pay, and once you file, wage garnishment and collection calls stop too.
Debt relief
If your debt has gotten out of hand, a Licensed Insolvency Trustee can help. We look at what you owe, then explain the options that fit.
Consumer proposal
Legally reduce what you owe and combine debts into one affordable fixed monthly payment. Interest stops, and you keep your assets.
Bankruptcy
For debt that’s become unmanageable. Bankruptcy clears most of what you owe and gives 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 Edmonton and Northern Alberta
Moses Advisory Group’s Licensed Insolvency Trustees proudly serve Edmonton and surrounding communities. Wherever you live, we’re here to help.
- Central Edmonton
- South Edmonton
- North Edmonton
- West Edmonton
- Mill Woods
- Windermere
- Riverbend
- Castle Downs
- Sherwood Park
- St. Albert
- Leduc
- Fort Saskatchewan
- Spruce Grove
- Stony Plain
- Beaumont
- Devon
We serve the entire province of Alberta.
Free no-obligation consultation.
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
Keep your assets
What you keep if you file in Alberta
Most people worry about losing their home or their car. In a consumer proposal, you don’t hand over any assets at all, so the limits below don’t apply. You keep what you own and repay part of what you owe over time.
In bankruptcy, Alberta law protects a set amount of your property from creditors.
| What’s protected in a bankruptcy | Amount |
|---|---|
| Equity in your principal residence | Up to $40,000 |
| One motor vehicle | Up to $5,000 |
| Household furnishings and appliances | Up to $4,000 |
| Clothing | Up to $4,000 |
| Tools of your trade | Up to $10,000 |
Going over a limit doesn’t automatically mean losing the asset. You can often keep it by paying the difference, or by filing a consumer proposal instead. RRSPs and RRIFs are protected under federal law either way, apart from contributions in the 12 months before you file.
Source: Government of Alberta – Civil Enforcement Regulation (Alta Reg 276/1995), s. 37
FAQs
Frequently Asked Questions
A Licensed Insolvency Trustee is a professional licensed and regulated by the Office of the Superintendent of Bankruptcy Canada. In Edmonton, a trustee is the only professional who can legally file and administer a consumer proposal or bankruptcy. The first consultation is free, private, and there’s no obligation to file.
Yes. The moment your trustee files a consumer proposal, a stay of proceedings stops wage garnishments, collection calls, and most creditor actions. This matters in Alberta, where only the first $800 of your monthly net income is fully exempt and creditors can take half of what you earn between $800 and $2,400. Filing stops the garnishment right away.
Alberta protects up to $40,000 of equity in your principal residence, one of the highest exemptions in the country. If your equity is below that, your home is safe in a bankruptcy. If it’s above, a consumer proposal usually lets you keep the home and pay creditors over time instead.
Probably, if you have steady income and owe less than $250,000, not counting your mortgage. You need enough coming in to cover a monthly payment after your essentials, and your offer has to give creditors more than they’d get if you went bankrupt. Your trustee works out the numbers with you before you file. Learn more about filing a consumer proposal in Edmonton.
Sometimes, yes. A consumer proposal is based on what you can afford to repay, and the rest is forgiven, so the reduction depends on your income, your assets, and what your creditors will accept. Some people cut their debt by a large amount, others reduce it by less. Your trustee shows you the actual figure before you agree to anything.
Our Edmonton trustees can usually file a bankruptcy within one to two weeks. Collection action stops the moment it’s filed. Counting the first consultation, paperwork, and filing, most people are filed within two to three weeks. Learn more about filing bankruptcy in Edmonton.
Almost certainly not. Consumer proposals and bankruptcies are filed with the Office of the Superintendent of Bankruptcy, which has an Edmonton office, and your trustee handles the paperwork. Most filings never involve a court appearance. If a matter ever needs the Court of King’s Bench of Alberta, your trustee tells you well ahead.
Yes. Moses Advisory Group is a federally regulated Licensed Insolvency Trustee firm. Trustees are the only professionals in Canada licensed to administer consumer proposals and bankruptcies, and the only ones who can legally stop interest, fees, and collection calls through a government filing.