When confronted with financial problems that you just can't cope with, you should take the time to consult with someone qualified to discuss your financial problems. This person could be your lawyer, financial counselor, one of your creditors or a Bankruptcy Trustee. Whomever you meet with should be able to discuss various options that will help you with your unique set of problems. Some alternatives for you to consider are: Debt consolidation loan. Informal proposal between you and your creditors. Orderly Payment of Debts program. Formal proposal to creditors under the Bankruptcy and Insolvency Act. Bankruptcy Many times people's financial situation has not deteriorated to the point that they need to take any of the steps mentioned above. Sometimes, financial management is a matter of knowing and understanding the limits of your spending power, and deciding what financial commitments you can afford. We can help by assisting you with budget planning and implementation together with goal setting. We have tools available to assist in this process and can arrange regular sessions to meet with you to monitor your progress and provide advice when requested.