Canada’s First Choice for Debt Relief
If you are “Overwhelmed by Debt”, struggling to make your payments, and can pay some, but just not all your bills, there is a Federally Regulated Debt Relief Program that can help you get things back on track. Last year, more than 84,000 Canadians took advantage of this program.
It’s called a CONSUMER PROPOSAL, and with the assistance of a Federally Licensed Proposal Administrator, like Cameron Okolita Inc., you can develop a proposal which can allow you to pay a reduced portion or percentage of what is owed to your creditors, give you more time to pay off your debts, or both!
Most Consumer Proposals reduce your interest rate to 0%, and eliminate the need for you to pay interest on the balances you owe, making it much easier and faster for you to pay your debts off. This is a HUGE benefit!
Normally, when you make your minimum payments on your credit cards, virtually 100% of your payment goes to interest, and almost nothing goes to the principal. It will take decades for you to pay your debts off, unless you make substantially more than your minimum payments. Imagine, however, if it was the other way around, and 100% of your payment went to pay the principal portion of your debt, and there were no interest payments to make!
Call or Contact Us Today and see if you “Qualify” for a Consumer Proposal.
Send Us an Email, Ask Us a Question, or Have Us Call You!
Cameron Okolita – Licensed Insolvency Trustee
Consumer Proposal Administrators
Financial Advisory Services
115 9A St NE, Calgary, AB T2E 9C5
Phone: 403-279-7908 Facsimile: 780-425-7110
Toll Free: 1-833-963-1289
“Own Your Tomorrow” Imagine Your Life Debt Free!
THE POWER OF A CONSUMER PROPOSAL
For illustration purposes, let’s look at an example of what we often see on credit card statements:
The balance on the credit card statement we selected showed that the balance owed was $31,316.06, and the interest rate was 24.9 %. If a person makes their minimum payment of $662.38 each month, and on time, the statement says that it will take them 25 years and 3 months or 303 months to pay that balance off. Grab one of your credit card statements and see what yours says. For most, 25 years represents a large portion of a persons’ working lifetime, and that is only if one never uses their credit card again. This is why they say having credit card debt and carrying a balance on your credit card is “like agreeing to run on a treadmill forever!”
If you qualify for a Consumer Proposal with NO INTEREST to pay, and continue to make the same payment, your debt would be paid off in less than 4 years or 47.3 months.
That’s the power of a Consumer Proposal!
More about a Consumer Proposal
✓ No Interest Charges (Yes, 0% Interest)
✓ Reduce Debt to Only a Portion of What’s Owed
✓ Immediately Stops Creditor Collection & Legal Actions
✓ Immediately Stops Wage Garnishees
✓ Keep All of Your Assets, Including Car & Home
✓ Covers Tax, Credit Cards, Loans & Unsecured Debt
✓ Clear and Simple Process – No Hidden Fees
✓ Up To 5 Years To Pay (or Payout early, if desired)
PROFESSIONAL QUALIFICATIONS
FIND US IN CALGARY
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice.
They really went above and beyond for me! As a client, you don’t always know what goes into the background… But after going through some personal issues they were able to help me through it and provide guidance and help in many areas of my life. I am so thankful for them!
I cannot say enough good things about this company! They are fabulous! When I first walked in the door they were kind and welcoming. All the way through to the end they have been incredibly helpful, kind and understanding. In these hard times I am so thankful I called Cameron Okolita.
The post Consumer Proposal Calgary appeared first on Cameron-Okolita Inc..
]]>Canada’s First Choice for Debt Relief
If you are “Overwhelmed by Debt”, struggling to make your payments, and can pay some, but just not all your bills, there is a Federally Regulated Debt Relief Program that can help you get things back on track. Last year, more than 84,000 Canadians took advantage of this program.
It’s called a CONSUMER PROPOSAL, and with the assistance of a Federally Licensed Proposal Administrator, like Cameron Okolita Inc., you can develop a proposal which can allow you to pay a reduced portion or percentage of what is owed to your creditors, give you more time to pay off your debts, or both!
Most Consumer Proposals reduce your interest rate to 0%, and eliminate the need for you to pay interest on the balances you owe, making it much easier and faster for you to pay your debts off. This is a HUGE benefit!
Normally, when you make your minimum payments on your credit cards, virtually 100% of your payment goes to interest, and almost nothing goes to the principal. It will take decades for you to pay your debts off, unless you make substantially more than your minimum payments. Imagine, however, if it was the other way around, and 100% of your payment went to pay the principal portion of your debt, and there were no interest payments to make!
Call or Contact Us Today and see if you “Qualify” for a Consumer Proposal.
Send Us an Email, Ask Us a Question, or Have Us Call You!
Cameron Okolita – Licensed Insolvency Trustee
Consumer Proposal Administrators
Financial Advisory Services
9415 98 Ave, Edmonton, AB T6C 2C8
Phone: 780-652-1958 Facsimile: 780-425-7110
Toll Free: 1-833-963-1289
“Own Your Tomorrow” Imagine Your Life Debt Free!
THE POWER OF A CONSUMER PROPOSAL
For illustration purposes, let’s look at an example of what we often see on credit card statements:
The balance on the credit card statement we selected showed that the balance owed was $31,316.06, and the interest rate was 24.9 %. If a person makes their minimum payment of $662.38 each month, and on time, the statement says that it will take them 25 years and 3 months or 303 months to pay that balance off. Grab one of your credit card statements and see what yours says. For most, 25 years represents a large portion of a persons’ working lifetime, and that is only if one never uses their credit card again. This is why they say having credit card debt and carrying a balance on your credit card is “like agreeing to run on a treadmill forever!”
If you qualify for a Consumer Proposal with NO INTEREST to pay, and continue to make the same payment, your debt would be paid off in less than 4 years or 47.3 months.
That’s the power of a Consumer Proposal!
More about a Consumer Proposal
✓ No Interest Charges (Yes, 0% Interest)
✓ Reduce Debt to Only a Portion of What’s Owed
✓ Immediately Stops Creditor Collection & Legal Actions
✓ Immediately Stops Wage Garnishees
✓ Keep All of Your Assets, Including Car & Home
✓ Covers Tax, Credit Cards, Loans & Unsecured Debt
✓ Clear and Simple Process – No Hidden Fees
✓ Up To 5 Years To Pay (or Payout early, if desired)
PROFESSIONAL QUALIFICATIONS
FIND US IN EDMONTON
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice.
They really went above and beyond for me! As a client, you don’t always know what goes into the background… But after going through some personal issues they were able to help me through it and provide guidance and help in many areas of my life. I am so thankful for them!
I cannot say enough good things about this company! They are fabulous! When I first walked in the door they were kind and welcoming. All the way through to the end they have been incredibly helpful, kind and understanding. In these hard times I am so thankful I called Cameron Okolita.
The post Consumer Proposal Edmonton appeared first on Cameron-Okolita Inc..
]]>Bankruptcy Lethbridge
1274 3 Ave S, Lethbridge, AB T1J 0K2
Phone: 403-394-0099 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Lethbridge? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Lethbridge, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Lethbridge, Alberta have helped hundreds of Lethbridge residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Lethbridge and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
Bankruptcy in Canada
Is Bankruptcy your only Choice?
Absolutely not! When facing serious financial difficulty, bankruptcy is often the first thing that comes to mind, but at the same time, it is probably the last thing you want to think about doing!
When a Licensed Insolvency Trustee is at a social function making small talk, people will eventually ask you, “What do you do?” When you tell them you are a Bankruptcy Trustee, people often say, “OH! I don’t think I want to talk to you!” and then they laugh. They laugh because the thought of going bankrupt is scary. For most, they have always heard that a bankruptcy is the last thing they should do, and something they should avoid at all cost.
They are mostly right, and for many, a bankruptcy is not their best option. For others, however, a bankruptcy represents a change in their life for the better. For those who have struggled for a long time, are losing sleep, or their debt is tearing apart a relationship with a spouse or loved one, a bankruptcy can be an uplifting experience.
Bankruptcy is described as lifting a weight off one’s shoulders, and after signing their bankruptcy papers, virtually100% of the people say that their stress relief was immediate. Many people say “filing bankruptcy was the best thing I could have done, and I wish I had done it sooner.”
A Bankruptcy is not the best choice for everone, and it is our goal to help you avoid bankruptcy if you possibly can. We encourage you to explore all the options available, some of which we have outlined below.
Canada’s #1 alternative to Bankruptcy is a Consumer Proposal. If you can pay some, but just not all of your bills, talk to us about this powerful option.
Consumer Proposals
If you are an individual and your total debts do not exceed $250,000, before taking into account a mortgage on a principal residence, a Consumer Proposal might be the right choice for you.
What is a Consumer Proposal?
A Consumer Proposal is a formal, legally binding process which can only be administered by a Licensed Insolvency Trustee, such as Cameron-Okolita Inc. We work with you to develop a “proposal”, with an offer to pay your creditors a percentage of what is owed to them, or extend the time you have to pay off your debts, or both. The term of the proposal cannot exceed 60 months, or 5 years. If you have significant credit card debt, 5 years is a fraction of the number of years it would take to pay off those credit cards. If you look at your credit card statements, they typically say it will take more than 25 years for you to do that on your own.
The biggest reason that a Consumer Proposal provides such a huge saving is that a Consumer Proposal, by law, reduces your interest rate from whatever you are paying, down to zero! That’s right, the interest rate will be zero!!
To find out if a Consumer Proposal is the right choice for you, please don’t hesitate to either fill out our contact form and have us contact you, or telephone us and speak to one of our debt specialists.
Credit Counselling Services
Is Credit Counselling for you?
Credit Counselling is for anyone who is looking to get out of debt, reduce stress, or just manage their money better. The biggest issue facing most people is their credit card debt, and the high interest rates they are paying. Many say they feel that their payments are never going to end, with their credit card balances edging up each month. Others may just want some help making a budget, and are looking for tips for controlling their expenses.
At Cameron-Okolita Inc., no matter what your financial challenges are, our Credit Counsellors will take the time to explain all your options and help create a plan to solve them.
For most people, seeking Credit Counselling Services for the first time can be a scary prospect! We will listen to your concerns, understand your goals and overall situation, and provide you with free, unbiased guidance and information.
Talking to a Credit Counsellor is the first step in planning for a brighter future, and we are happy to take your call and be a part of helping you to do that.
Debt Consolidation Loans
Debt Consolidation is really a numbers game.
Getting one’s debt under control is the number one goal. A Debt Consolidation Loan takes multiple debts and combines them into one loan, allowing you to make a single monthly payment. With fewer payments each month, people usually experience some immediate stress relief, especially if the debt consolidation loan results in a lower combined interest rate. Although the interest rate typically goes down, the balance you have to pay back remains the same.
Debt Consolidation simplifies your Finances!
When you have multiple debts from multiple creditors, with multiple interest rates, multiple payment dates, and other conditions, keeping track of all your debts can be overwhelming. The major advantage of a Debt Consolidation Loan is, if some or all of the debts you are carrying have high interest rates, consolidating them into one loan can save you money.
There are, of course, pros and cons that you need to consider before you sign on the dotted line. One of the major drawbacks to a Consolidation Loan is that the lender will want you to pledge against, or take a lien on, your assets to protect themselves if you don’t pay.
If your situation is already dire, and a debt consolidation doesn’t solve your entire problem, and you keep falling behind, it is very likely that you will end up losing those assets.
Informal Debt Settlement
What is Debt Settlement?
This option represents a negotiated settlement with each of your creditors, to settle your debt for a percentage of what you owe, as one lump sum. This is not without consequences. It does hurt your credit rating, and dealing with each of your creditors can be difficult. It is often the case that you cannot get all your creditors to agree. If you don’t have 100% participation by your creditors, one or more of your creditors can take separate collection action(s) and collapse your whole arrangement.
What Debt Settlement Covers!
Debt Settlement only works for unsecured debts, commonly referred to as consumer debt, or trade debts. These are debts that you have incurred where you haven’t had to put up, or provide, collateral. If you don’t pay your secured debts in full, creditors holding security have no reason to accept less and will simply force a sale of the security to get their money back.
For these reasons, Informal Debt Settlements are extremely difficult to manage and very rarely work out.
PROFESSIONAL QUALIFICATIONS
FIND US IN LETHBRIDGE
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
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]]>Bankruptcy Olds
4601 46 St, Olds, AB T4H 1P5
Phone: 403-507-8362 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Olds? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Olds, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Olds, Alberta have helped hundreds of Olds residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Olds and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN OLDS
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post Olds appeared first on Cameron-Okolita Inc..
]]>Bankruptcy Lacombe
5402 Highway St, Lacombe, AB T4L 1A9
Phone: 403-782-1596 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Lacombe? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Lacombe, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Lacombe, Alberta have helped hundreds of Lacombe residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Lacombe and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN LACOMBE
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post Lacombe appeared first on Cameron-Okolita Inc..
]]>Bankruptcy Okotoks
14 McRae St, Okotoks, AB T1S 1K1
Phone: 403-938-0499 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Okotoks? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Okotoks, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Okotoks, Alberta have helped hundreds of Okotoks residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Okotoks and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN OKOTOKS
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post Okotoks appeared first on Cameron-Okolita Inc..
]]>Bankruptcy High River
19 3 Ave SE, High River, AB T1V 1G3
Phone: 403-601-2777 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in High River? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in High River, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving High River, Alberta have helped hundreds of High River residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide High River and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN HIGH RIVER
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post High River appeared first on Cameron-Okolita Inc..
]]>Bankruptcy Brooks
1217 2 St W, Brooks, AB T1R 1P7
Phone: 403-362-8980 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Brooks? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Brooks, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Brooks, Alberta have helped hundreds of Brooks residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Brooks and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN BROOKS
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post Brooks appeared first on Cameron-Okolita Inc..
]]>Bankruptcy Stettler
4850 50 St, Stettler, AB T0C 2L0
Phone: 403-742-2845 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Stettler? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Stettler, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Stettler, Alberta have helped hundreds of Stettler residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Stettler and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
PROFESSIONAL QUALIFICATIONS
FIND US IN STETTLER
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
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]]>Bankruptcy Medicine Hat
1375 22 St SE, Medicine Hat, AB T1A 7V3
Phone: 403-581-0585 Facsimile: 780-425-7110
Toll Free: 1-888-543-3456
Office Hours:
Monday: 08:00 AM To 05:00 PM
Tuesday: 08:00 AM To 04:30 PM
Wednesday: 08:00 AM To 05:00 PM
Thursday: 08:00 AM To 05:00 PM
Friday: 08:00 AM To 05:00 PM
Saturday: 10:00 AM To 03:00 PM
Sunday Closed
Looking for Help in Medicine Hat? Considering Bankruptcy?
Unsure about Alternatives to Bankruptcy?
If you reside in Medicine Hat, Alberta, or the surrounding area and would like to learn more about potential options and review possible alternatives to bankruptcy, Cameron Okolita offers FREE local initial consultations in a relaxed setting on a no-obligation basis. We are here to help you and you will find that our staff are friendly and supportive.
We like what we do and making your problems go away is a major part of that!
Our Licensed Trustees serving Medicine Hat, Alberta have helped hundreds of Medicine Hat residents achieve financial freedom without going bankrupt, and tens of thousands of Albertans get a fresh start. Cameron Okolita Inc., Licensed Insolvency Trustee offers Consumer Proposal & Bankruptcy Services, and we specialize in personal service. For instance, our customers tell us that our counsellors are friendly and easy to talk to. Our goal is to provide Medicine Hat and area residents with the information they will need to make informed decisions and, provide them with a financial solution tailored to meet their needs. Please do not hesitate to call or contact us. We are respectful, understanding, and we are here to help.
Send Us an Email, Ask Us a Question, or Have Us Call You!
Bankruptcy in Canada
Is Bankruptcy your only Choice?
Absolutely not! When facing serious financial difficulty, bankruptcy is often the first thing that comes to mind, but at the same time, it is probably the last thing you want to think about doing!
When a Licensed Insolvency Trustee is at a social function making small talk, people will eventually ask you, “What do you do?” When you tell them you are a Bankruptcy Trustee, people often say, “OH! I don’t think I want to talk to you!” and then they laugh. They laugh because the thought of going bankrupt is scary. For most, they have always heard that a bankruptcy is the last thing they should do, and something they should avoid at all cost.
They are mostly right, and for many, a bankruptcy is not their best option. For others, however, a bankruptcy represents a change in their life for the better. For those who have struggled for a long time, are losing sleep, or their debt is tearing apart a relationship with a spouse or loved one, a bankruptcy can be an uplifting experience.
Bankruptcy is described as lifting a weight off one’s shoulders, and after signing their bankruptcy papers, virtually100% of the people say that their stress relief was immediate. Many people say “filing bankruptcy was the best thing I could have done, and I wish I had done it sooner.”
A Bankruptcy is not the best choice for everone, and it is our goal to help you avoid bankruptcy if you possibly can. We encourage you to explore all the options available, some of which we have outlined below.
Canada’s #1 alternative to Bankruptcy is a Consumer Proposal. If you can pay some, but just not all of your bills, talk to us about this powerful option.
Consumer Proposals
If you are an individual and your total debts do not exceed $250,000, before taking into account a mortgage on a principal residence, a Consumer Proposal might be the right choice for you.
What is a Consumer Proposal?
A Consumer Proposal is a formal, legally binding process which can only be administered by a Licensed Insolvency Trustee, such as Cameron-Okolita Inc. We work with you to develop a “proposal”, with an offer to pay your creditors a percentage of what is owed to them, or extend the time you have to pay off your debts, or both. The term of the proposal cannot exceed 60 months, or 5 years. If you have significant credit card debt, 5 years is a fraction of the number of years it would take to pay off those credit cards. If you look at your credit card statements, they typically say it will take more than 25 years for you to do that on your own.
The biggest reason that a Consumer Proposal provides such a huge saving is that a Consumer Proposal, by law, reduces your interest rate from whatever you are paying, down to zero! That’s right, the interest rate will be zero!!
To find out if a Consumer Proposal is the right choice for you, please don’t hesitate to either fill out our contact form and have us contact you, or telephone us and speak to one of our debt specialists.
Credit Counselling Services
Is Credit Counselling for you?
Credit Counselling is for anyone who is looking to get out of debt, reduce stress, or just manage their money better. The biggest issue facing most people is their credit card debt, and the high interest rates they are paying. Many say they feel that their payments are never going to end, with their credit card balances edging up each month. Others may just want some help making a budget, and are looking for tips for controlling their expenses.
At Cameron-Okolita Inc., no matter what your financial challenges are, our Credit Counsellors will take the time to explain all your options and help create a plan to solve them.
For most people, seeking Credit Counselling Services for the first time can be a scary prospect! We will listen to your concerns, understand your goals and overall situation, and provide you with free, unbiased guidance and information.
Talking to a Credit Counsellor is the first step in planning for a brighter future, and we are happy to take your call and be a part of helping you to do that.
Debt Consolidation Loans
Debt Consolidation is really a numbers game.
Getting one’s debt under control is the number one goal. A Debt Consolidation Loan takes multiple debts and combines them into one loan, allowing you to make a single monthly payment. With fewer payments each month, people usually experience some immediate stress relief, especially if the debt consolidation loan results in a lower combined interest rate. Although the interest rate typically goes down, the balance you have to pay back remains the same.
Debt Consolidation simplifies your Finances!
When you have multiple debts from multiple creditors, with multiple interest rates, multiple payment dates, and other conditions, keeping track of all your debts can be overwhelming. The major advantage of a Debt Consolidation Loan is, if some or all of the debts you are carrying have high interest rates, consolidating them into one loan can save you money.
There are, of course, pros and cons that you need to consider before you sign on the dotted line. One of the major drawbacks to a Consolidation Loan is that the lender will want you to pledge against, or take a lien on, your assets to protect themselves if you don’t pay.
If your situation is already dire, and a debt consolidation doesn’t solve your entire problem, and you keep falling behind, it is very likely that you will end up losing those assets.
Informal Debt Settlement
What is Debt Settlement?
This option represents a negotiated settlement with each of your creditors, to settle your debt for a percentage of what you owe, as one lump sum. This is not without consequences. It does hurt your credit rating, and dealing with each of your creditors can be difficult. It is often the case that you cannot get all your creditors to agree. If you don’t have 100% participation by your creditors, one or more of your creditors can take separate collection action(s) and collapse your whole arrangement.
What Debt Settlement Covers!
Debt Settlement only works for unsecured debts, commonly referred to as consumer debt, or trade debts. These are debts that you have incurred where you haven’t had to put up, or provide, collateral. If you don’t pay your secured debts in full, creditors holding security have no reason to accept less and will simply force a sale of the security to get their money back.
For these reasons, Informal Debt Settlements are extremely difficult to manage and very rarely work out.
PROFESSIONAL QUALIFICATIONS
FIND US IN MEDICINE HAT
Cameron Okolita
LICENSED INSOLVENCY TRUSTEE
Our Meeting Location
OPEN IN GOOGLE MAPS
SOME CLIENT TESTIMONIALS
You came highly recommended by a friend who used you a couple years ago. It was extremely hard to take the first step and give you a call. We felt like failures, but after we called you, we immediately felt better about our situation. A Consumer Proposal was definitely the right choice for us.
We didn’t know anything about bankruptcy. We thought you were going to take everything and that we would never get credit again. You helped us put things into perspective and thanks to you, we are happy to say that we got our Discharge without a hitch last month. Thanks for everything!
Having to claim bankruptcy is a low time for anyone. Cameron Okolita made the experience as good as it could be. Kelly was particularly helpful and always responded to my questions in a kind and timely manner. The staff was very kind and encouraging. I am truly thankful for their help.
The post Medicine Hat appeared first on Cameron-Okolita Inc..
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