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.
Melanie has been in the insolvency business for 10 years and has been with A. Farber & Partners Inc. since 2000. She is an active member of the Law Society of Upper Canada. Melanie works with people going through the consumer proposal and bankruptcy process. For Melanie, one of her most memorable moments was when she was thanked for treating a person she was working with respectfully during a low period in his life, then seeing him turn his life around once he dealt with his debt. She enjoys being part of the caring team at A. Farber & Partners Inc. and sharing a common goal of helping people solve their money problems.
Warren enjoys assessing issues and providing professional and creative solutions to financial challenges. He has been helping people since 1990, becoming a licensed Trustee in Bankruptcy in 1997 and joining A. Farber & Partners Inc. in 2000. In his career, his most memorable moment has been assisting a professional with addiction and depression issues, encouraging them to seek proper help then working through a successful proposal to creditors and rehabilitation. Warren is actively involved in fundraising initiatives and supports several charitable causes. He continues to be active in the Masonic Order as Past Master of his Lodge and is a Shrine Mason.
The cost of a Newmarket bankruptcy
is set by the Government. A. Farber & Partners have affordable payment terms available.
The A. Farber & Partners team of managers and Newmarket bankruptcy trustees will work with you and your creditors to resolve your financial difficulties, in a non-judgmental, caring and compassionate manner.
Our Newmarket bankruptcy trustees provide this
information for your protection:
Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing our Newmarket bankruptcy trustees can help you with. Our Newmarket 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 Newmarket 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 Newmarket bankruptcy information and other options include a full range of debt relief solutions:
Debt negotiation - contacting your creditors - to help you preserve your credit rating, our Newmarket 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 Newmarket 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 Newmarket.
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 Newmarket 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 Newmarket 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.
Jack Fox,
Warren Covent, CIRP
