It’s only natural that Allan Marshall & Associates has been trusted by Canadians, as they’ve provided debt relief solutions since 1979. They house a large team of Licensed Insolvency Trustees, backed with extensive experience in debt management.

As for their services, they offer a wide range of solutions, should debt consolidation not be the right thing for your financial situation. There are consumer proposals and bankruptcy, but you don’t have to go there because of their tailored approach.

You see, their consultation will lay out every possible solution for a debt-free future. And we’re happy to report that their trustees have been honest from start to finish, and you can see their genuine care.

One example is by explaining the process in terms that clients can understand, without the bells and whistles. All these are done without judgment, even when you owe five digits in credit card debt, business failure, or hospital bills.

Overall, they’re solid. Busy clients can book weekends and evenings, but no promises because it depends on the trustee’s availability.

Explained in a way that I would understand

“I made the call and have felt better since.  It was like speaking with someone who knows and understands what I am going through.  If I didn’t understand, it was explained in a way that I would understand.  My questions were answered, in a non-judgemental way and supportive way.  Both the online chat to get me started, and the phone conversation, were well worth my time and to ease my mind.  Thank you to the lady I was “chatting” with and to Kelley Hebb, Estate Administrator/ Insolvency Counsellor with Allan Marshall & Associates Inc..  Very appreciative for all your knowledge and support.”

Victoria, Google Review

Very respectful and professional

“I had a wonderful chat with Kristie. She was very knowledgeable and had a couple of great solutions. I was not forced to commit to anything. She spend a half hour with me and you did not have to do anything. She was very respectful and professional. I had a great experience.”

Anita Brown, Google Review

If you can repay your debt and want to avoid bankruptcy, MNP Debt is one of our recommended places in Halifax for debt consolidation. Their over 50 years of expertise brings reliability to the table, offering various solutions to ease your financial burdens.

We appreciate their straightforward yet compassionate approach, where their Licensed Insolvency Trustees provide all the potential fixes, such as credit card debt, home equity loans, or credit card balance transfers.

Plus, they’ll always present other possible solutions, just in case debt consolidation won’t be the best option in the long term. The honesty and willingness to help, even though this is just a job, have impressed us greatly.

Even the clients we spoke with only had good things to say about their trustees, who helped them out of their financial struggles using realistic solutions. For such a stressful situation, we appreciate how they managed to calm their clients.

Just so you know, their office only accepts clients by appointment from Wednesday to Friday. It’s not the best, but they’re open after-hours meetings, subject to availability.

So patient and helpful

“I never did this before and hesitated to do it,  until I realized I had no other options.  I didn’t know what to expect. Ahlem has been so patient and helpful.  She clearly answers all my questions which allowed me to be more relaxed and understand the process.  Thank you.”

Todd L (MusicGuy), Google Review

Fantastic to deal with

“Ahlem at MNP is fantastic to deal with. She is very knowledgeable and has a calming personality. She doesn’t make you feel bad about yourself and is very helpful even long after you are in the process. Always reliable. Thanks Ahlem!”

Queen Anne, Google Review

When it comes to government-approved debt relief options in Haliax, Bromwich+Smith should be on your list to check out. They’ve been around since 2002, with Canada-wide expertise, giving them the skills to handle complex situations any day of the week.

Their team of Licensed Insolvency Trustees has helped thousands of Canadians find the best solution for financial relief, all done through their personalised service. They don’t shy away from looking for the most plausible solution for every client.

For example, they can help minimise your debt by up to 80%, which includes credit card bills, taxes, and personal loans. They do offer consumer proposals and bankruptcy, and will tell you straight if any of those are better options for your situation.

They get snowed under at times, which is probably why we heard reports of weak communication regarding updates or adjustments to the debt consolidation plans. It’s not a common occurrence, thankfully, but zero communication mishaps would be better.

Exellent service

“Excellent service! I met with Erika and Bonnie who both provided incredible guidance with a welcoming, nonjudgmental attitude. They were so polite, down to earth and easy to get along with. I felt very seen and heard. With the help of Bromwich & Smith I feel like I’ve been given a fresh start, I highly recommend!”

Erin Kelly, Google Review

I didn’t feel shamed or judged

“The consultants are very pleasant, knowledgeable and thorough. They make themselves available by phone, text and email. I felt that they dealt with me and my delicate issue with great respect. I didn’t feel shamed or judged. I appreciate them making this difficult time so much easier for me to go through.”

Joan Case, Google Review

Clinton Wilkins Mortgage Team is all about homeownership assistance through mortgage and debt consolidation. Their reputation in Halifax is top-notch, having partnered with multiple lenders, including industry-leading names.

Additionally, we learned that they’re a highly recognised company, having won awards over the years. As far as reputation goes, we saw no issues because they’ve been super transparent.

Despite being a brokerage company, they still focus on consolidations, and we trust them for debt relief. They’re able to help homeowners find the best solution if they’re drowning in debt and cannot pay their mortgage.

A fair warning: they only work with homeowners. If you have credit card debt, personal loans, or are trying to look into credit counselling, they’re not the ideal company to go to.

Other than that, they’re solid. Since they’re a brokerage team, they know the ins and outs of the mortgage process, giving them more than enough insights to assist you with consolidating debt through refinancing or replacing your mortgage.

Easy to communicate with

“Had great experience. Easy to communicate with. Very helpful staff. Helped us refinance to consolidate debt. Highly recomend them”

sebastian gruneantu, Google Review

Has my best interests front and centre

“Working with Clinton on my refinance has been so seamless. I know with 100% certainty that these significant financial transactions are in great hands and that Clinton has my best interests front and centre.”

Natalie, Google Review

The hands-on approach of Powell Associates Ltd. has impressed us in many ways. For one, they only provide tailored solutions for every client.

Additionally, their services don’t end in debt consolidations, since their Licensed Insolvency Trustees will even assist you in finding debt relief solutions that aren’t within their scope of services.

Another reason is that they pick up the phone. You can ring them and expect them to actually pick up, which is impressive even when they’re not physically in the office—the transparency and accommodating nature stood out, for sure.

In addition, they help with all sorts of financial issues, including credit card debt and personal loans. We’ve seen them help consolidate debt for clients who were so deep in financial burden that they thought there was no escape.

Just to let you know, there is a chance your original trustee may change, which may catch you off guard. There may be some slight adjustments to the process, but the end goal remains the same.

Easy to work with and accommodating

“Today. Not tomorrow. I took out a proposal with Powell a couple of years ago. They are easy to work with and accommodating.   Contact them if your debts have become overwhelming. Today. While I’m saying Today, not tomorrow. It’s never too late to make the decisions that are aligned with your best future. Be that your financial future or otherwise. Just be careful and cautious if both life circumstances and (or) money mismanagement has lead you here. It’s a great chance at a fresh start but also will require your discipline.”

Andrew Christensen, Google Review

Really assisted and explained all the details/process involved

“It was such a great experience working with Powell Associates Ltd..  David and their team really assisted and explained to us all the details/process involved.  We felt very comfortable and we felt their warm sincerity to help us.  We hope that their company would be able to help more people in the years to come.  Thank you so much.”

John, Google Review