Licensed Insolvency Trustee Ottawa
Steady paycheque, growing balances? A Licensed Insolvency Trustee can stop collection calls and legally reduce your unsecured debt. Talk it through for free by phone or video.
- Reduce debt by up to 80%*
- Collection calls stop when you file
- Free phone or video consultation
or call (587) 701-5681
Free and confidential consultation
* Up to 80% reduction possible.
Regulated by the Office of the Superintendent of Bankruptcy
Debt help for Ottawa households and public servants
Ottawa has a reputation for stable government jobs, but a steady income doesn’t make anyone immune to debt. Mortgage renewals at higher rates, rising rent, child care and car payments can stretch even a public service salary, and credit cards end up filling the gap.
Moses Advisory Group’s Licensed Insolvency Trustees help people across Ottawa deal with that debt, whether it’s credit card balances, personal loans or money owed to the CRA. We’ll look at your full picture and explain each option in plain language before you decide anything.
Only a Licensed Insolvency Trustee can file a consumer proposal or bankruptcy in Canada, and every trustee is licensed and supervised by the Office of the Superintendent of Bankruptcy. Your consultation is free and confidential.
Already facing a garnishment or a lawsuit from a creditor? Once a proposal or bankruptcy is filed, a legal stay of proceedings stops most collection action. Call us to see whether that applies to you.
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.
For federal employees
Debt questions we hear from public servants
The federal government has issued 25,368 letters telling employees their positions are affected by workforce reductions, according to its own tracker. If you’re one of them, or worried you could be, these are the issues to understand before deciding what to do about your debt.
Job uncertainty
A consumer proposal is based on what you can afford now. If your income drops later, the proposal can be amended with your creditors’ approval, so you aren’t locked into a payment you can no longer make.
Security clearance
Credit checks are part of every federal security screening, and a proposal or bankruptcy will appear on your credit report. The government describes the financial review as one part of a wider assessment of whether money pressures could create a security risk.
Your pension
Benefits under the Public Service Superannuation Act are protected from seizure by creditors, apart from family support orders. Filing doesn’t take your pension plan, though pension income counts when your payments are worked out.
Sources: Government of Canada, Workforce reductions in the federal public service (data as of October 14, 2026); Public Services and Procurement Canada, mandatory credit checks; Public Service Superannuation Act, Part I.
Solutions
How Ottawa residents get out of debt
Every option has trade-offs. We’ll show you what each one would mean for your monthly budget, your assets and your credit before you commit to anything.
Debt relief
If your debt is still manageable, a budget, a credit counselling plan or a conversation with your lender may be all you need. We’ll tell you when that’s the case.
Consumer proposal
Three out of four Ottawa-region filers choose a proposal. You repay a portion of your unsecured debt in one interest-free monthly payment and keep your home, car and pension.
Bankruptcy
Clears most unsecured debt when repayment isn’t realistic. About one in four Ottawa-region filers choose bankruptcy, a higher share than the Ontario average.
Home, car and pension
What you can keep if you file in Ottawa
The average Ottawa home sold for $678,512 in October 2026, according to the Ottawa Real Estate Board. Ontario protects only $12,997 of home equity in a bankruptcy, so homeowners usually choose a consumer proposal, which lets you keep your home while repaying part of what you owe.
Many Ottawa households also rely on a car to get to work from Kanata, Barrhaven or Orléans. Here’s how common assets are treated if you do file for bankruptcy in Ontario:
| Asset | In an Ontario bankruptcy |
|---|---|
| Home equity | Protected up to $12,997 |
| One motor vehicle | Protected up to $8,578 |
| Household furnishings and appliances | Protected up to $17,091 |
| Federal public service pension | Protected |
| RRSPs and RRIFs | Protected, except contributions from the last 12 months |
| Tools used in your work | Protected up to $17,362 |
In a consumer proposal, you don’t surrender any of these assets. If your car is financed or leased and you keep up the payments, it can usually stay with you either way. Read more about whether you could lose your house in a bankruptcy.
Sources: Ontario Regulation 657/05 under the Execution Act; Public Service Superannuation Act; Ottawa Real Estate Board, October 2026 market update.
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
By the numbers
Insolvency in the Ottawa region
Filings in the Ottawa region are rising, and bankruptcies are climbing faster than proposals. The latest data:
2,213
consumer insolvencies in the Ottawa region, January to June 2026
+8.5%
more filings in Q2 2026 than in Q2 2025
+19.4%
more bankruptcies over the same period
1 in 4
Ottawa-region filers chose bankruptcy, above the Ontario average
1.62%
of Ottawa non-mortgage debt was 90+ days past due in Q2 2026
+7.48%
year-over-year increase in that delinquency rate
Insolvency figures: Office of the Superintendent of Bankruptcy, Insolvency Statistics in Canada – Second Quarter of 2026, Ottawa economic region; January to June combines the report’s Q1 and Q2 2026 figures. Regional counts leave out filings the OSB could not assign to a region. Delinquency figures: Equifax Canada, Q2 2026, non-mortgage debt measured by dollar value.
Your trustee: Robert Johnson, CPA, CA, CIRP
Robert Johnson is a Licensed Insolvency Trustee at Moses Advisory Group Inc. with more than 20 years of experience helping individuals with proposals, bankruptcies and restructuring their debts. Thousands of Ontarians have worked with him to get back on their feet.
Robert is licensed by the Office of the Superintendent of Bankruptcy and is a member of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP). Your consultation will cover how each option affects your budget, your assets and, if it applies, your security clearance.
“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
Ottawa and area
Serving Ottawa from Kanata to Orléans
We meet clients by phone or video, so there’s no need to drive downtown or find parking. Book a time that works around your shift.
- Centretown
- The Glebe
- Westboro
- Hintonburg
- Sandy Hill
- Vanier
- Alta Vista
- Old Ottawa South
- Kanata
- Barrhaven
- Orléans
- Nepean
- Stittsville
- Gloucester
- Riverside South
- Manotick
Want to talk first? Call (587) 701-5681 and we’ll respond within one business day. We work with clients across Ontario as well.
Free no-obligation consultation.
All types of debt
Whatever the debt, we can help
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.
FAQs
Ottawa debt relief questions
A filing will appear on your credit report, and credit checks are mandatory for federal security screening. The government describes the financial assessment as one part of the overall review, which looks at whether financial pressures could pose a security risk and can include an interview. If you hold or need a clearance, mention it during your consultation so it’s factored into your plan.
Your payment is based on your income when you file. If you lose your job or your income falls, your trustee can file an amendment asking creditors to accept a lower payment or a longer term, up to the five-year maximum. A proposal is annulled if you fall three payments behind, so talk to your trustee as soon as your situation changes.
Yes. Benefits under the Public Service Superannuation Act are exempt from seizure by creditors, except for family support orders, so a trustee can’t take them in a bankruptcy. Pension income you receive is still counted when your monthly payments are calculated.
Generally, no. Your trustee only contacts your employer if a wage garnishment needs to be stopped. Proposals and bankruptcies are recorded in a federal public registry, but employers aren’t sent notices.
In a consumer proposal, yes, as long as you keep up any loan or lease payments. In a bankruptcy, Ontario protects one motor vehicle up to $8,578, and a financed or leased car can usually stay with you if the payments continue.
Yes. Unpaid personal income tax, including amounts owed after a reassessment, can be included with your other unsecured debts, and CRA collection action stops once you file. See how to stop a CRA wage garnishment.
The Ottawa region recorded 2,213 consumer insolvencies from January to June 2026. In the second quarter, filings were up 8.5 percent from a year earlier and bankruptcies were up 19.4 percent. About one in four filers chose bankruptcy, compared with roughly one in five across Ontario. Source: Office of the Superintendent of Bankruptcy, Insolvency Statistics in Canada – Second Quarter of 2026.
A consumer proposal is generally removed from your credit report three years after you finish paying it, or six years after you file, whichever comes first. A first bankruptcy typically stays for six to seven years after discharge. Learn more about how a consumer proposal affects your credit and how long a bankruptcy stays on your credit report.
No. Everything can be handled by phone or video. Your file is submitted to the Office of the Superintendent of Bankruptcy, which has its national headquarters in Ottawa.
Get debt help
Get a free debt review in Ottawa
In one confidential call, we’ll go over what you owe, what you own and what you earn, then show you which options fit. There’s no cost and no pressure to file.
- Phone or video, anywhere in Ottawa
- Confidential and free
- Federally regulated
Free no-obligation consultation.