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Consumer Proposals & Debt Solutions in St. John's, NL

Licensed Insolvency Trustee & Consumer Proposal Administrator

495 Water Street, St. John's, Newfoundland and Labrador, Canada, A1E 6B5

By appointment only.

How we can help

Debt doesn’t define you, but the wrong kind of debt can flip your world upside down.

For more than 43 years, we’ve helped over 100,000 Canadians successfully get out of debt. If you live or work in the area and you are experiencing financial problems, struggling with credit card payments or having trouble making ends meet, we’re here to help you leave your debt behind.

Book a free, confidential, no-obligation consultation with our debt experts. We will review your debt-relief options together, and make a plan to help you regain control of your money and ease your stress.

Book a FREE consultation

Frequently Asked Questions

Get answers to the most commonly asked questions about debt-relief solutions, debt terminology, budgeting and more.

Making the first step to gain control of your debt can feel intimidating. But sharing your concerns with a debt expert means you’ll receive compassionate, non-judgmental advice that can help you make informed financial decisions. Here are some of the other benefits:

Your consultation is completely free of charge
Having a confidential discussion
Feeling no pressure or obligation
Exploring all available solutions
Gaining confidence and relief knowing a solution is within reach

Everyone’s financial situation is different. Here are some questions to ask your LIT during the first consultation.

What is the best debt-relief option for my situation?
What are the pros and cons of any other options?
Which of my debts will be affected?
How much will this cost?
Will anyone else in my family be affected by the solution suggested?
How will this affect my credit rating?
Who will I work with throughout the process and how often will we speak to each other?
How long will I be committed to my debt-relief solution?
Once you help me with my debt, is that the end of our relationship?

Each financial situation is unique. What could be considered serious debt problems for one person might be fine for someone else. Here’s how to recognize the warning signs about having too much debt:

Struggling to pay your debts and expenses each month
Only making the minimum payments
Repaying your debt is causing you stress
Hiding your debt from loved ones
Receiving calls from creditors or collection agencies
Using one credit card to repay debts on another
Missing payments or making payments late
Taking out new loans to afford to repay your current debts
Don’t have a budget or can’t stick to a budget
Not sure how much debt you have
Regularly use payday loans

More FAQs

We believe that everyone can prosper

The debt you’re facing today is not forever. With more than 43 years of experience in Canadian debt relief, we’ve helped over 100,000 people just like you build a better relationship with money.

What you need to know

What to expect

What makes us different

Get Debt Help

Debt Solutions

Why Farber

The Truth About Debt

Consumer Proposals & Debt Solutions in St. John's, NL

How we can help

Frequently Asked Questions

What is a Licensed Insolvency Trustee?

What are the benefits of a free consultation?

What questions should I ask during my first consultation?

How do you know if you have too much debt?

How do I know if I have a debt or a budget challenge?

We believe that everyone can prosper