Licensed Insolvency Trustee in Ontario
Our Licensed Insolvency Trustees in Ontario can stop collection calls, freeze interest and reduce what you owe.
- Reduce debt by 80%¹
- One monthly payment
- Government regulated
or call 1-587-701-5681
¹ Up to 80% reduction possible. Results may vary.
Licensed Insolvency Trustees regulated by the Office of the Superintendent of Bankruptcy
Licensed Insolvency Trustees across Ontario
When faced with overwhelming debt in Ontario, the expert Licensed Insolvency Trustees at Moses Advisory Group can help you manage and eliminate debt across the province.
Our Licensed Insolvency Trustees help you resolve your debt problems, whether it’s credit card debt, defaulted loans, overdue taxes, student debt or something else.
We are licensed and regulated by the Office of the Superintendent of Bankruptcy Canada, serving communities from Toronto and Ottawa to Hamilton, London and beyond.
If you have debts and don’t know which way to turn, contact us today to learn about the options available to you. We offer free, confidential consultations with no obligation.
Get free, impartial debt advice from a Licensed Insolvency Trustee. We’ll call to explain your options.
1-hour callback (working hours)
No obligation.
Areas
Serving all of Ontario
Our Licensed Insolvency Trustees offer in-person, phone, or video consultations for clients across Ontario, including:
Toronto
Serving Toronto, Mississauga, Brampton and Vaughan
Ottawa
Serving Ottawa, Gatineau, Kanata and Orleans
Hamilton
Serving Hamilton, Burlington and Oakville
London
Serving London and Southwestern Ontario
Kitchener-Waterloo
Serving Kitchener, Waterloo, Cambridge and Guelph
Windsor
Serving Windsor
and Essex County
Wherever you are in Ontario, our local Licensed Insolvency Trustees are here to help.
Call us on 1-587-701-5681
Takes 30 seconds.
Meet your Ontario 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 in Ontario 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 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
Debt relief options in Ontario
Our Licensed Insolvency Trustees in Ontario 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
A Licensed Insolvency Trustee (formerly bankruptcy trustee) provides debt advice and services to Canadians with financial difficulties.
They are the only professionals legally authorized to provide bankruptcy services and consumer proposals in Canada.
All LITs are licensed by the Office of the Superintendent of Bankruptcy Canada.
Moses Advisory Group has experienced Licensed Insolvency Trustees serving the whole of Ontario.
When choosing a Licensed Insolvency Trustee, look for one with experience, professionalism, and compassion.
Our Licensed Insolvency Trustees have over 20 years of experience helping Ontarians with debt.
We listen, explain your options, protect your rights and give you impartial advice. We provide free debt consultations so you can explain your situation and decide on the one of the many options you have to become debt free.
All trustees are licensed and regulated by the Office of the Superintendent of Bankruptcy (OSB) and must adhere to standards of practice, including a code of ethics.
Yes. when you file a consumer proposal, wage garnishments, collection calls, and legal action all stop immediately.
This is called a stay of proceedings, and it takes effect as soon as your proposal is filed.
If you decide that bankruptcy is your best option, a Licensed Insolvency Trustee can typically file your bankruptcy within two weeks.
The entire process from first consultation to filing usually takes 2-3 weeks.
If your equity is £10,783 or less, your home is protected in a bankruptcy. Under Ontario’s rules, it’s classed as exempt under the Ontario Execution Act.
However, you must continue to make your mortgage payments and pay your property taxes.
Moses Advisory Group is a Licensed Insolvency Trustee that is federally regulated and licensed by the Canadian government.
In Canada, only a Licensed Insolvency Trustee can administer formal debt solutions, such as a consumer proposal and or bankruptcy.
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.
There are many debt relief options available in Ontario, including consumer proposals, debt management plans, and bankruptcy.
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 plan.
Credit counselling services are carried out by both for-profit and non-profit agencies that offer advice on resolving debt problems.
Bankruptcy can discharge most debts but may require liquidating some assets.
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 remedy under Canada’s Bankruptcy and Insolvency Act that provides relief when you can no longer overwhelming debt and can no longer meet your financial obligations.
By surrendering some of your assets and agreeing to specific responsibilities, you are freed from most unsecured debts, providing some financial stability.
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.
A Licensed Insolvency Trustee is the only professional who can administer bankruptcies in Canada.