Free Consultations
Your First Step
Our Free Initial Consultation is the first step you need to take on your way to financial stability.
Our Trustee, Sean Stack, will sit down with you and discuss your situation and find a plan that works for you.
Talk to Us Today
What Is A Free Consultation
The first step to dealing with unmanageable debt is to find out what your options are.
The initial consultation is free of charge; so contact us with peace of mind. Once we have met and understand your needs, Sean will walk you through the potential costs of going ahead with a plan of action so that you can make a wise and informed decision.

Preparing For Your Free Consultation
For your free consultation the more information you are able to provide, the easier it will be for Sean to give you the advice that you need. View the full list of resources to bring here.
This consultation could take approximately an hour, although time may vary depending on your needs.
Contact Sean now for your free initial consultation!
Got Questions?
Read our FAQs!
Did You Know?
1
Many people who file for bankruptcy get to stay in their home.
2
In Newfoundland and Labrador, you can keep your RRSPs – even if you file for bankruptcy.
3
Many people who file for bankruptcy are able to keep their vehicle.
4
Most bankruptcies are NOT published in the newspaper.
5
Student loans can be included in a bankruptcy if they are more than seven (7) years old.
6
A consumer proposal is an alternative to bankruptcy that can only be filed with a licensed trustee in bankruptcy.
7
In NL, people ages 30 to 39 years old file for bankruptcy more than any other age group. [source]
Frequently Asked Questions
After the consultation, you’ll receive a summary of the discussed points and next steps, should you wish to proceed with any services. However, there’s no obligation to move forward.
Sean will sit down with you, and listen while you relate to him what you are personally dealing with. He will ensure that he clearly understands your situation, needs, and future goals. He will work with you to find the solution that is right for you and your individual needs.
Absolutely. If you have a friend or partner you’d like to include, feel free to invite them to join the conversation.
Consultations can often be scheduled within a few days, depending on availability. We’ll work with you to find a time that fits your schedule.
To learn more, visit our Resources Page.
