Farber has been in the debt relief industry for decades. They’re Licensed Insolvency Trustees, which means they’re legally allowed to file consumer proposals or bankruptcies in Ontario, Canada. They start with a free consultation, which is a nice way of saying you can talk about your money troubles. From there, they figure out what will actually work for you. That could be a consumer proposal, debt consolidation, or another plan.

A consumer proposal with Farber can reduce your debt by up to 80% while letting you keep your belongings. No more interest charges, no more collection calls, and you only have to make one monthly payment. Creditors have 45 days to agree, and once they do, everyone has to follow the plan. Finish your payments, and you get a shiny Certificate of Completion plus freedom from your unsecured debt.

Farber doesn’t just hand you a plan and wave goodbye. They stick with you, offering financial guidance and helping you pay off your proposal early if you want. When it’s all over, the proposal drops off your credit report after a set time, and you can start rebuilding with a clean slate and maybe fewer sleepless nights. Their whole deal is helping people get better at managing money in the long run.

According to the reviews, the Farber team is genuinely kind, patient, and interested in helping clients. The consumer proposal route gets special love. People seem amazed at how quickly things move, with a few describing the debt relief as almost instant. There’s a lot of praise for the mix of efficiency and reassurance, like having someone calmly explain the rules of a game you thought you’d already lost.

Beyond their consumer proposal services, Farber’s overall reputation is professional, transparent, and client-focused. Their clients say they felt understood and walked away with a plan they could actually trust.

Welker & Associates Inc. is Ontario’s debt relief dream team. They have over 30 years of combined experience and a line-up of Licensed Insolvency Trustees who actually know their stuff. Chris Welker, Sue Jung, and Jeff Penston lead the charge, making sure you get sound advice. You can book a free, confidential consultation by phone or video, which means you can sort your finances without leaving your sofa. With 21 office locations across Ontario, they have the geography covered too.

Their big move is the consumer proposal. This is a formal, government-approved way to settle unsecured debt for way less than the original amount while keeping your stuff safe. At Welker & Associates, this also means no more interest charges, no more scary collection calls, no wage garnishments, and just one monthly payment you can actually handle. They’ve got a success rate of over 99%, and there are no upfront fees because the law builds the costs into the proposal itself.

The general opinion on Welker & Associates is mostly positive. The consumer proposal service gets a lot of the spotlight. People appreciate how it’s explained in plain terms. Their specialists talk you through your financial options without drowning you in jargon. Consultation comes across as practical and personal, not a cookie-cutter fix.

Overall, Welker leaves people feeling less like they’ve been through a financial battle and more like they’ve been shown a clear route forward. Professional, warm, and just organized enough to convince you that, yes, your future might actually be manageable after all.

Spergel has been sorting out debt messes in Ontario for over 35 years. They’ve got a team of Licensed Insolvency Trustees and credit counsellors whose job is to get your finances in order. From your first free consultation, you get your very own trustee. This expert guides you the whole way. They can stop collection calls, wage garnishments, interest charges, and any scary legal moves your creditors were plotting.

Their specialty is the consumer proposal. It’s a government-approve way to slash your unsecured debt by up to 80%. You get to keep your stuff, whether that’s your home, your car, or your espresso machine. Once it’s filed, creditor drama stops instantly. With a 99% acceptance rate, there’s a very good chance your plan gets the green light.

Then, it’s just one fixed, interest-free payment each month for up to five years. Finish that, get your Certificate of Full Performance, and say goodbye to the rest of your unsecured debt.

The general view on Spergel is that they know what they’re doing. Their company has that mix of professionalism and genuine warmth that turns a nerve-wracking topic into an approachable conversation. The consumer proposal service has an impressive acceptance rate. People like that it’s explained in plain language, with a clear plan that doesn’t involve losing the things you care about.

Overall, Spergel’s reputation lands firmly in the “safe hands” category. The team knows the rules, they make them easy to understand, and they manage to keep the whole process feel manageable.

Hoyes, Michalos & Associates have been in the business of helping Ontarians tackle debt since 1999. They’re Licensed Insolvency Trustees. When you book a free consultation, you’re talking to someone who can actually fix your debt situation. They’ll walk you through all your options, whether that’s bankruptcy, debt consolidation, credit counselling, or their specialty: the consumer proposal.

A consumer proposal is a legal way to slash your unsecured debt. Payments are interest-free, spread over up to five years, and calculated based on what you can actually afford. There are no surprise or upfront fees. Trustee costs are already built into your monthly payment. Once you finish, you get a Certificate of Full Performance, which is basically the official “you’re done” document, and your remaining included debts vanish.

According to reviews, Hoyes, Michalos & Associates has mastered the art of making stressful money problems feel less terrifying. They keep the mood calm, and they somehow manage to explain things without talking down to you. Clients tend to leave with less panic in their shoulders and more of a sense that there’s an actual plan in place.

The consumer proposal service gets a lot of praise for being clear, practical, and surprisingly easy to start. People like that there’s no scramble for upfront costs, and that the whole thing is laid out in a way that makes it feel doable. The team’s habit of responding quickly, even outside regular hours, is another reason they seem to win people over.

Adamson & Associates Inc. is an Ontario team of Licensed Insolvency Trustees who specializes in helping people get out from under debt. Led by trustee John Adamson, they offer free, no-pressure consultations so you can figure out your options. They work out of multiple locations, including London, St. Thomas, Kitchener-Waterloo, and Windsor, so there’s a good chance they’re closer than your favourite coffee shop.

Their consumer proposal service is a government-approved way to pay back only part of your unsecured debt over a period of up to five years, while keeping your assets and cutting interest charges entirely. The trustee handles negotiations with your creditors, and the fees are set by law and rolled right into your monthly payments. Creditors have 45 days to respond, and once the deal is accepted, you start making fixed payments. When you finish, you get a Certificate of Full Performance.

From your very first meeting, you’ll deal directly with a Licensed Insolvency Trustee rather than being passed to a salesperson. They walk you through every step, from the paperwork to the final discharge, with one-on-one counselling for privacy and dignity. They even offer evening and weekend appointments, because money problems don’t just happen between nine and five.

Most people talk about Adamson & Associates positively. The feedback is all about how the team manages to deal with money trouble without making it feel like a personal failing. They handle consumer proposals particularly well. The explanations are plain, the steps are clear, and the tone is more “let’s sort this” than “you’ve made a mess.”

Every so often, someone mentions a longer timeline or a slow start, but these reviews are rare enough to feel like the exception. Overall, Adamson & Associates knows their work, cares about their clients, and doesn’t lose the human touch.

Goldhar & Associates Ltd is in the business of making your finances feel a lot less like a horror story. They start with a private, no-obligation rebalance session. It's basically a sit-down where they look at your debt, walk you through the possible ways out, and give advice. One of their main tools is the consumer proposal. This legally binding agreement lets you settle your unsecured debts, even if you owe the Canada Revenue Agency, for less than the full amount.

You get up to 60 months to pay it off in one monthly payment you can actually budget for. The moment it’s filed, wage garnishments, utility cut-off threats, and other creditor antics stop, and so does interest. You keep your assets, can pay the balance off early if you want, and the licensed trustee runs the proposal until the very last payment.

Goldhar & Associates has a reputation for making the whole debt conversation feel less like a headache. A lot of people walk away saying they learned things they didn’t expect, and that the steps forward were laid out in a way that made sense. Consumer proposals are a big part of their offering, framed as a smarter alternative to bankruptcy. Their trustees help clients cut through the panic, show what’s possible, and keep it stress-friendly from start to finish.

There are some mixed reviews on public platforms. A few people feel let down by slow replies or unmet expectations. However, most reviews give credit to Goldhar & Associates with real help, even if the consistency might depend on who’s handling your case.

Steve Welker & Company is a Toronto Licensed Insolvency Trustee firm. They offer free, no-obligation consultations in person, by phone, or over video, so you can talk money without putting on a tie. They cover everything from credit cards and payday loans to student loans and tax arrears. They help you figure out which legal option makes sense, whether that’s a consumer proposal or bankruptcy.

A consumer proposal here is a formal way to settle your unsecured debt for as little as 30% to 70% of what you owe, spread over up to 60 interest-free monthly payments. The second it’s filed, interest stops, creditor drama stops, and your assets stay yours. You just make one monthly payment until it’s done, then you get a Certificate of Full Performance. Your credit rating moves up to an R7, and the note stays on your file for three years after completion.

The big takeaway on Steve Welker and Company is that people feel like they can exhale once they’ve done the consumer proposals. The team explains the process without dressing it up in confusing jargon. The proposal's conditions are favourable: up to 70% debt reduction, interest-free monthly payments, assets staying in place. More importantly, it’s managed in a way that makes people feel guided rather than nudged along.

Yes, there are the occasional mentions of delays, but they’re a tiny fraction of reviews compared to the steady stream of praise. Most of the positive feedback about Steve Welker and Company leans heavily on words like “smooth,” “clear,” and “reassuring.”

Grant Thornton is a national consumer insolvency firm with a team of Licensed Insolvency Trustees and debt-help specialists. One of their main tools is the consumer proposal. They can settle a portion of your unsecured debt, including credit cards, payday loans, personal loans, or even tax arrears. Your trustee negotiates directly with your creditors to create a repayment plan based on what you can actually afford. Once it’s filed, interest charges stop, collection calls stop, wage garnishments stop, and everything gets rolled into one manageable monthly payment.

They do more than just proposals, too. Grant Thornton can help with financial counselling, debt restructuring, and bankruptcy administration when needed. Your trustee deals with the creditors, so you don’t have to, and sticks with you from start to finish until you’re officially debt-free. It’s a full-service approach to getting your money back under control.

Not every part of the Grant Thornton experience gets a gold star. Some people wish the pricing was clearer at the start, and for those already stressed, the early steps can feel complex. That said, the general opinion is that everything runs smoothly in the long term. Their consumer proposal service works well, rolling all the unsecured debts into one manageable payment. Clients can avoid bankruptcy altogether.

The company’s nationwide reach and range of services help them stand out, but it’s the professionalism and approachable manner that stick in people’s minds. Overall, Grant Thornton Debt Solutions is a trusted, well-established first that knows how to guide people out of financial knots.

Sheriff Sole & Madej Inc. is a team of Licensed Insolvency Trustees, administrators, and credit counsellors who have been sorting out debt messes for over 25 years. They work across Ontario, Alberta, and British Columbia, offering -obligation consultations to figure out the best and most affordable way to get you back on track. Their whole approach is built on transparency, persistence, and making sure you actually trust the people handling your money problems.

One of their main tools is the consumer proposal. A Licensed Insolvency Trustee negotiates with your unsecured creditors based on your income, assets, and overall debt situation. The end result is usually less debt, all rolled into one monthly payment you can actually manage, all under the rules of the Bankruptcy and Insolvency Act.

They do more than proposals, too. Sheriff Sole & Madej handle bankruptcy guidance, debt consolidation strategies, credit counselling, budgeting help, corporate debt fixes, and even wrangling the Canada Revenue Agency when they’re giving you grief.

Sheriff Sole & Madej's consumer proposal service is a big draw. The firm negotiates with unsecured creditors so you can pay back what’s manageable, keep collections at bay, and sidestep bankruptcy entirely. The explanations are simple enough to follow, and the steps are guided with patience.

Not every aspect is perfect. A handful of reviewers would like clearer explanations on how their credit rating might be affected. Also, some find the early paperwork more confusing than it should be. That said, once clients are past the starting line, the mood shifts heavily toward praise.

Locke Consulting Inc is based in London, Ontario. This Licensed Insolvency Trustee firm handles everything from debt settlement and credit counselling to bankruptcy, consumer proposals, and Division One proposals. They match the solution to the person, so you’re not being squeezed into a plan that doesn’t fit your finances.

With their consumer proposal services, your trustee works with you to put together a repayment plan your creditors can live with. The second it’s filed, interest charges stop, and so do calls, garnishments, and legal moves from creditors. They have 45 days to vote on it, and if the majority (by dollar value) says yes, everyone is bound by the deal. From there, you make one affordable monthly payment and attend two complimentary counselling sessions to sharpen your budgeting skills. You keep your assets and get your financial control back.

Locke Consulting’s reputation sits firmly in the “they’ve got your back” category. The team is known for mixing financial know-how with people skills. They do same-day follow-ups, give clear explanations, and show a willingness to listen, which explains why so many clients describe their stress levels dropping once they get started.

Their consumer proposal service is handled with care. The whole process is designed to feel achievable rather than intimidating. Overall, the impression of Locke Consulting is that they keep the service as professional as possible.

MNP Debt is one of Canada’s biggest names in consumer insolvency. Their Licensed Insolvency Trustees are backed by over 200 locations across the country. They offer free, confidential consultations where they look at your finances and lay out your options, whether that’s credit counselling, a consumer proposal, debt consolidation, or bankruptcy. Every plan is built around what fits your situation.

A consumer proposal with MNP is a federally regulated way to settle unsecured debts for less than the full amount. You get up to five years to pay, interest-free, in one fixed monthly amount based on what you can actually afford. Once your trustee files it, collection calls stop, interest stops, and wage garnishments stop. You keep your home, car, RRSPs, and even tax refunds.

You also complete two financial counselling sessions to help rebuild credit and strengthen your budgeting skills. When it’s done, you get a Certificate of Full Performance, which is official proof you’re released from most unsecured debt. MNP handles all the creditor conversations, the paperwork, and the admin so you can focus on getting back on track.

The consumer proposal service is often where MNP shines. Licensed Insolvency Trustees take time to explain the legal process, negotiate repayment plans that fit, and walk clients through the impact on assets and credit without sugarcoating. The tone is more “here’s how we’ll sort this” than “good luck,” which makes a daunting decision easier to manage.

Some clients have flagged slow responses or moments where the process felt clunky, and enough of those review pop up to knock down their ratings. But on their best days, clients describe MNP as a professional, compassionate, and steady financial firm.

Harris & Partners Inc. has been helping Canadians tackle debt since the early 1960s. Their Licensed Insolvency Trustees offer free consultations where they look at your situation and lay out your options. The advice is tailored to you, so you’re not stuck with a one-size-fits-all plan.

A consumer proposal with Harris & Partners is an alternative to bankruptcy under the Bankruptcy and Insolvency Act. Your trustee works with you to put together an offer to creditors, usually paying only part of what’s owed over up to five years. Once it’s filed, creditors get 45 days to respond, and if they say yes, the deal is set. From there, you just make fixed monthly payments until you’re done.

They also handle the rest of the debt-relief toolkit, from guiding you through bankruptcy to helping consolidate multiple debts into one manageable payment. With decades of experience, they are focused on getting you out of debt and into better financial shape.

For many clients, the Harris & Partners experience is reassuring. Clients say the team listens properly, making a stressful process feel less like an ambush. Consumer proposals are a big part of why they stand out. The way they guide clients through each step earns trust. The structure is clear, the details are walked through together, and the whole process feels more manageable than most expect.

However, several clients have left negative reviews. A few say they didn't get a full picture of interest charges or long-term outcomes from the start. These reviews are in the minority, but they do hint at some room for improvement.

Remolino & Associates Inc. is an Ontario team of Licensed Insolvency Trustees who specialize in helping people get out from under debt. Their consumer proposal service can cut unsecured debts, often by up to 75 percent. Your trustee negotiates directly with creditors to wrap everything into one affordable, interest-free monthly payment over a period of up to five years. With an acceptance rate of around 96% to 99%, the odds are firmly in your favour.

Remolino & Associates handle the whole process. They help with preparing the paperwork, negotiating with creditors, managing the agreement, and providing financial counselling when you need it. Their focus is on long-term financial stability.

Remolino & Associates runs on the idea that fixing debt isn’t just about numbers. Their team is known for giving sensible advice, and it comes with extras like financial coaching and money-management skills, so you leave with more than a signed agreement. Their consumer proposal is a great way to settle debt for less than the full amount, cutting monthly payments and keeping your assets safe.

While Remolino & Associates may not be as famous as the bigger firms in Ontario, they still have solid credentials and a worthy reputation in professional circles. Their track record speaks volumes.

S. Funtig & Associates is a Windsor team of Licensed Insolvency Trustees. They start with a consultation where they explain your options in a way that makes sense for your situation. Their consumer proposal service lets you pay back only part of what you owe over a period of up to five years. Your trustee works with you to figure out a payment plan you can handle. Once it’s complete, the rest of the included debt is discharged. Most of the time, you can keep your assets, making it a strong alternative to bankruptcy.

Beyond proposals, they offer professional debt counselling to help cut interest costs, simplify payments, and build a clearer financial path forward. With offices in Windsor and Chatham (plus the option to meet virtually), S. Funtig & Associates make it easy to get debt relief support when you need it most.

S. Funtig & Associates is a safe first stop for anyone trying to get their finances back under control. Their team leans hard on calm guidance. They operate under the idea that debt help shouldn’t feel like a cold transaction. The tone is reassuring, and it’s all aimed at helping people rebuild their bank balance confidently.

Their consumer proposal is popular. They cut down what you owe, freeze collections, and keep hold of important assets like your home or car. It complements the firm's other offerings like credit counselling, corporate insolvency services, and debt advice.

Debt Helpers is in the business of making debt relief less intimidating and more like a proper plan. They start with a confidential consultation to look at your situation and go through the options. And they explain it in a way that’s easy to follow. Their consumer proposal service is a government-approved way to pay back only part of your unsecured debt over a period of up to 60 months. Interest stops, collection calls stop, and you can negotiate both how much you’ll repay and how long you’ll take to do it.

Once the proposal signed, you’re legally protected from creditors. All your debts are rolled into one manageable monthly payment. Debt Helpers stays involved from start to finish. They help you with handling the paperwork, dealing with creditors, keeping payments on track, and giving you the tools to make sure you’re better equipped for the future.

Debt Helpers leaves people with a decent impression. Some reviewers say they've found a reassuring guide who can make sense of debt options. They talk about clear explanations, supportive advice, and walking away with a better grip on their finances. They do offer help with consumer proposals, though their role is more about advising and connecting rather than handling the process as a licensed trustee.

However, a handful of complaints mention slow action and missed follow-through. On Reddit, a few critics go further, urging others to steer clear. Overall, the reviews seem mixed. Their service can genuinely help some people find their footing, but others may be better off using another firm instead.