Please call us at 1-866-916-8907 to set up a FREE, confidential consultation with one of our Etobicoke Bankruptcy Trustees at either of our two offices .
155 Rexdale Blvd.
Suite 705 (at Kipling)
Bank of Montreal Building
Etobicoke
Ontario
Diane has been in the insolvency business for 17 years and has been with A. Farber & Partners Inc. for seven years. She works with people to assess their situation and ensure they are taking the best route possible for them to solve their money problems. She is an active member of the International Women’s Insolvency Restructuring Confederation. Diane thrives in the insolvency industry as she enjoys helping people put their financial lives back on track. One of her most memorable moments was helping a gentleman that had invested his retirement savings in real estate. He ran into difficulties and ended up having to mortgage his home to make mortgage payments on his investments. His marriage was suffering and he had tremendous guilt for ruining his and his wife’s life. She helped both file for bankruptcy which alleviated their stress and was able to save their home. Diane still hears from this man and is grateful she took the time with him to save his marriage and sanity. In addition to English, Diane is also fluent in French.
Jack is a seasoned veteran of the insolvency industry having 30 years of experience. He started with A. Farber & Partners Inc. in 2001. Jack works with people going through the proposal or bankruptcy process. He enjoys meeting people through his work, in particular a year or so after they are discharged when he sees how happy they are. This is always in sharp contrast to when he initially meets them when they are very upset and embarrassed.
Jerry began his career in insolvency at A. Farber & Partners Inc. 10 years ago. He works with people experiencing financial difficulties and provides financial counseling. Jerry enjoys meeting people from all walks of life everyday and showing them a better financial future. In addition to English, Jerry is fluent in Polish.
Nirmala began her career in insolvency when she joined A. Farber & Partners Inc. in 2003. She works with people to review their financial situation and offer the best solution possible based on their individual circumstances. She keeps in regular contact with those she is working with and provides financial counseling as needed. Recently, she had someone she met with express how comfortable he made her feel after their initial meeting as he was quite nervous beforehand. He later told Nirmala that she treated him with dignity and respect and thanked her. Nirmala enjoys the day to day interaction with people and helping them change their lives for the better. In addition to English, Nirmala is able to help clients that speak Tamil and she has an understanding of Hindi and Urdu.
Veronica has been working with A. Farber & Partners Inc. in 2001. She helps people understand their financial situation and advise them how best to handle their debt problems. She enjoys showing people that there are solutions to their money issues – what she hears most often is that thanks to her, they can now sleep at night. As an added benefit, Veronica is fluent in Spanish and Portuguese.
The cost of an Etobicoke bankruptcy
is set by the Government. A. Farber & Partners have affordable payment terms available.
The A. Farber & Partners team of managers and Etobicoke bankruptcy trustees will work with you and your creditors to resolve your financial difficulties, in a non-judgmental, caring and compassionate manner.
Our Etobicoke bankruptcy trustees provide
this information for your protection:
Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing our Etobicoke bankruptcy trustees can help you with. Our Etobicoke bankruptcy trustees are highly trained professionals who will give you the best advice possible, even if it means you do not use our services.
Our Etobicoke bankruptcy trustees are licensed by the Federal Government and subject to stringent codes of ethics. Bankruptcy trustees are the only debt professionals who can providea full range of debt relief solutions.
Furthermore, bankruptcy trustees are the only debt professionals who can guarantee that you will get protection from your creditors.
Our Etobicoke bankruptcy trustees provide a full range of debt relief solutions:
Debt negotiation - contacting your creditors - to help you preserve your credit rating, our Etobicoke bankruptcy trustees can contact some or all of your creditors to explain your financial situation and recommend an arrangement that is tailored for your circumstances. Remember that filing bankruptcy in Canada is not the only solution to your money problems. Debt negotiation could be a viable alternative.
Debt elimination & consolidation loan - by approaching your bank or through our network of lenders, our managers and Etobicoke bankruptcy trustees can help you secure one loan to repay all of your other debts. While you may still owe the same amount in total, the monthly payment is often lower and you will only have one payment to make every month, which makes debt elimination easier. Debt consolidation is one alternative to filing bankruptcy in Etobicoke.
Consumer proposal - this agreement between you and your creditors may allow you to pay off only a portion of your debts and/or extend the time you have to pay off those debts. Our Etobicoke bankruptcy trustees help you draw up and present a formal offer to your creditors that is fair and reasonable to the creditors but that is also affordable to you. If the required majority of the creditors accept the offer then all your unsecured creditors are obliged by law to also accept the offer. Filing of a consumer proposal immediately stops all collection efforts and legal actions by your unsecured creditors, including asset seizures, and wage garnishments, but without having to file for bankruptcy. This type of debt relief is another alternative to personal bankruptcy filing.
Personal bankruptcy - as a last resort, you can cope with a financial crisis by declaring bankruptcy. Filing bankruptcy with one of our Etobicoke bankruptcy trustees is a powerful debt solution that immediately stops all collection efforts and legal actions by your creditors, including lawsuits, asset seizures, and wage garnishments. The personal bankruptcy process includes debt counseling sessions that can help you create realistic budgets and regain control over your finances. While nobody wants to go bankrupt, this may be the most appropriate solution to bring closure to a difficult period in your life so that you can build the new future that you and your family deserve.
Diane S. Hessel, CIRP
Jack Fox, CIRP
Jerry Janiec, Manager
Nirmala Bhaskar, Manager
Veronica Cariceo-Horta, Manager
