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.
Cathy is one of the original members of the A. Farber & Partners consumer practice team, starting her career with us in 1989. She works closely with Warren Covent supporting our offices north of the Greater Toronto Area. Cathy is responsible for providing counselling sessions for those working through the bankruptcy process and meeting with people initially to discuss options to solve their money problems. She enjoys helping people solve their money problems, seeing how relieved they become when they realize how straight forward the process is to freedom from their debts. Cathy prides herself in going the extra mile.
The cost of an Orillia bankruptcy
is set by the Government. A. Farber & Partners have affordable payment terms available.
The A. Farber & Partners team of managers and Orillia bankruptcy trustees will work with you and your creditors to resolve your financial difficulties, in a non-judgmental, caring and compassionate manner.
Our Orillia bankruptcy trustees provide this
information for your protection:
Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing our Orillia bankruptcy trustees can help you with. Our Orillia 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 Orillia 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 Orillia bankruptcy trustees provide a full range of debt relief solutions:
Debt negotiation - contacting your creditors - to help you preserve your credit rating, our Orillia 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 Orillia 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 Orillia.
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 Orillia 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 Orillia 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.
Warren Covent, CIRP
