Cut what you owe
By up to 80%.*
Ontario · Licensed Insolvency Trustee
Cut Up to 80% of Your Unsecured Debt Without Bankruptcy.
It's called a consumer proposal. You make one monthly payment, and a federally licensed trustee deals with your creditors for you.
- Free consultation
- No credit check
- No obligation
- For Ontario renters
4.8/5
4.3/5
Jason Campbell, Licensed Insolvency Trustee · Federally licensed · Est. 2018
Free assessment
How much debt are you carrying?
Ontario residents only. Free and confidential.
Licensed Insolvency Trustee | London, Ontario
What a consumer proposal does for you
Stop the interest
Interest stops on included debts the day you file.
Stop collection calls and garnishments
Collection action, wage garnishments and lawsuits stop once you file.
One payment, one end date
A fixed monthly payment, done in five years or less.
Keep your home and car
As long as you keep up those payments.
Real people. Real relief.
Real Google & Trustpilot reviews
4.8/5
4.3/5
In a difficult time, we were treated with kindness and compassion, not judgement. We so appreciate what Jason and Natasa are doing to help us. Highly recommend J. Campbell and Associates
Andy Godfrey
Google review
Great experience talking with J. Campbell & Associates today. I asked alot of questions and all were answered. Very professional.
Sue Browne
Google review
J. Campbell & Associates Ltd. Helped me with a very difficult situation. They are understanding. considerate, compassionate and most importantly, they listen. I highly recommend their services
Jo-Anne
Trustpilot review
The 3 questions everyone asks first
Can I explore this if I rent?
Yes. You don't need to own a home to explore a consumer proposal. We'll review your circumstances to see whether it fits.
What happens to my credit?
A proposal shows on your credit report while you're paying and for a few years after. If you're already behind, your credit may be taking a hit right now anyway.
What does it cost?
No upfront fees. Trustee fees are set by federal rules and come out of your proposal payments.
You don't need to know the answer.
That's what the free consultation is for.
How a consumer proposal works
Your trustee makes a legally binding offer to your creditors to repay part of what you owe, over up to five years. Creditors have 45 days to respond. Once it's filed, you stop paying them and make one monthly payment to your trustee. When you finish, the rest of the debt is gone.
It's available if your total unsecured debt is under $250,000, not counting a mortgage. We handle consumer proposals and bankruptcies. We don't offer consolidation loans or debt management plans.
Wipe out debt from:
Mortgages and car loans are treated differently. Recent student loans, support payments and court fines can't be included.
3 steps to a smaller debt
- 01
Answer a few quick questions
Takes 2 minutes, with no credit check or commitment.
- 02
See how much you could cut
We'll call to go through your debts and show you how much you could cut. No judgement.
- 03
Decide
Nothing is filed and nothing is signed unless you choose to go ahead.
A real firm. A name you can check.
J. Campbell & Associates Ltd. is federally licensed as a Licensed Insolvency Trustee and has been helping Ontarians since 2018. Jason Campbell, CIRP, LIT, and Natasa Pulfer, BIA Insolvency Counsellor, lead the team.
Before you start
Clear answers before you begin
Will I lose my house or car?
No. You keep them as long as you keep up those payments.
Is this bankruptcy?
No. A consumer proposal is the legal alternative to bankruptcy.
Will collectors keep coming after me?
Once your proposal is filed, collection calls, wage garnishments and lawsuits on included debts stop.
How much would I pay?
It depends on your income and assets. Many people pay back a fraction of what they owe, up to 80% less.* Your assessment shows you where you stand.
Will this affect my credit?
Starting the assessment doesn't. If you file, we'll explain exactly how before you decide.
Is this a government program?
No, and be careful with anyone who says it is. It's a legal process under federal law, run by a federally licensed trustee.
Is it confidential?
Yes. Your assessment is private, and nothing is filed unless you say so.
You don't have to decide today. But you should find out.
A free, confidential assessment that takes 2 minutes.
Start My Free Debt Assessment