With decades of combined experience helping Canadians navigate their debt problems, Keith Caverly & Associates are the best choice for residents of Red Lake, Ontario, who are facing serious financial challenges. Headquartered in and operated from Thunder Bay, Keith Caverly & Associates offers help with consumer proposals, debt consolidation, credit counselling, and bankruptcy. Red Lake residents trust Keith and his team thanks to their experience, their reputation for empathetic and committed service, and their understanding of the unique needs and challenges associated with life in the north. Reach out today to schedule your free, no-obligation consultation.
Bankruptcy Red Lake
When your debts become too much to handle, it may be time to consider filing for bankruptcy. Filing for bankruptcy is a legal procedure through which debtors can receive protection from their creditors – no more wage garnishments, no more creditor calls. However, debtors who file for bankruptcy may have to sell their house, their vehicle, and other assets to pay off as much of their debts as possible. Bankruptcy may also have a long-term negative effect on your credit rating. Contact us to learn more.
Consumer Proposal Red Lake
A Consumer Proposal is an alternative to bankruptcy that may allow you to keep your assets. In essence, a Consumer Proposal is an agreement between a debtor and creditor that establishes how much of the remaining debt must be repaid and in what timeframe. While filing a Consumer Proposal may still have a negative impact on your credit rating, it has some benefits that bankruptcy does not. Call us to schedule a free consultation – we will be happy to explain the specifics.
Debt Consolidation Red Lake
When a debtor is having trouble juggling a variety of debts, sometimes it can be a good idea to pay those debts off through a larger, more stable loan from a large financial institution. While taking out one debt to pay for another isn’t always a good idea, it can work for people with the means to pay that single debt down reliably and efficiently. Some clients who choose debt consolidation even avoid long-term credit rating impacts!
Credit Counselling Red Lake
Whenever we take on a new client, our first step is to review their finances and identify opportunities to improve their money habits. Sometimes, consumer proposals, bankruptcy, and debt consolidation aren’t necessary to eliminate your debts! We also provide credit counselling services mandated through bankruptcy proceedings. Reach out today to learn more.
Got questions?
You can request a free consultation session.
THE ANSWERS TO YOUR QUESTIONS
Some Frequently
Asked Questions
• Keep your car, home and RRSPs*
• Stop harassing creditor calls immediately
• Get the largest debt reduction that is fair