Get the Right Personal Financial Help and Advice to Get a Fresh Start!
If you feel overwhelmed by debt and don’t know where to start addressing the problem, we can help. Whatever the reasons behind your struggles are, you’re not alone. We’re here for you with compassion and zero judgment.
Our team, with offices in Richmond, Surrey and Vancouver (virtual appointments also available), can assess your situation and give you the information you need to make an informed decision about your financial future.
Campbell, Saunders Ltd. has been assisting British Columbians to get a financial fresh start since 1980 – find out how we can help you.
- Consumer Proposal –
If you owe between $1,000.00 and $250,000.00 and you have sufficient income to pay back a potion of your debt, a consumer proposal is an option to consider. You will make one monthly payment to the LIT to distribute to your creditors, and will pay back a portion of what you owe with no additional fees or interest.
- Personal Bankruptcy –
If your debt is excessive or your income is insufficient for a consumer proposal to work, a personal bankruptcy is another option to achieve a financial fresh start. The details of a bankruptcy depend on your individual situation, not the amount of your debt.
- Division I Proposal –
This option is for individuals with debt higher than $250,000.00 (excluding a mortgage on a principal residence) or for businesses. While the legal process to file this type of proposal is slightly different from a consumer proposal, for you it is very similar – you will make one monthly payment to the creditors (via the LIT) that pays back a portion of what you owe, with no additional interest or fees.
- Other Solutions –
Formal insolvency proceedings like a bankruptcy or proposal are not the only ways to deal with your debt. We will help you explore options like credit counselling, budget guidance, or debt repayment plans.
We Listen to You
Before we can provide you with the right advice, we need to understand your situation. There is no one ‘best’ solution to a debt problem, only what is best for you. We take the time to listen to not only what has led you to seek debt help, but what’s important for yours and your family’s future.
We Advise You
Our aim is to give you the information about your options, so that you can make the right decision. There are no pushy sales tactics with Campbell, Saunders Ltd – just caring, compassionate advice and guidance.
We Work With You
If you decide that a formal insolvency proceeding is the right path towards a better, less stressful financial future, we will work with you every step of the way, from filing to discharge, from gathering the required information to putting together a plan for the future and creating new financial habits.
Contact us for a free consultation, in person or virtually, to explore your options and take the first step towards a new financial future.
