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Stop Wage Assignments / Garnishments

Have you or a loved one ever had to deal with wage assignments/garnishments? Not sure if this pertains to you?

This is something we do here at Ontario Debt Settlement. We work with clients to stop wage assignments/garnishments.

A wage assignment is a voluntary assignment plan where a debtor negotiates with a creditor aplan in which a portion of the debtor’s paycheck is transferred to the creditor by the employer. While a wage garnishmentis when a creditor obtains an order from the court to collect part of a debtor’s wages from the employer. Meaning, your hard-earned money is taken away from you without any negotiation, and nothing you can do.

However, this is false thinking because here at Ontario Debt Settlement, we have successfully worked with clients going through this and managed to put a stop to percentages of their paychecks being stripped away.

Many people come in thinking you must declare personal bankruptcy to stop a wage garnishment. This is in fact wrong, and we will guide you through the process, teach you the facts, and represent you in any court proceedings.

A wage garnishment is a legal proceeding and here at Debt Settlement BC we provide a full range of paralegal services, including all small claims court representation with both Plaintiff action to bring you debt relief.

Do not feel stressed and worried that you are dealing with wage assignment/garnishment! This is not the be all and end all. You can get help and let us be the ones to get you to a better place. Debt Settlement Ontario has dealt with many clients doing through this, and know how to handle it in the best manner.

Proposals

Ontario Debt Settlement can now arrange debt management payment plans based on a Financial Capacity Assessment (FCA). We work with each individual client and based on their personal financial situation, come up with a proposal executing the game plan to assist them. Every client is going to have their individual wants and needs, resulting in every client getting their own professional consultant building a package together with them.

Like mentioned in our debt management plan tab, this is a service we provide. We make a simplified payment plan for your debts while also giving you relief from interest costs. This all happens based on a FCA. The goal of financial capability assessment is to evaluate a person’s abilities to manage their money in a way that routinely meets the individual’s basic needs of food, shelter, and clothing. To find out whether you are finically capable of living a stable life, we do an assessment which involves the collection, integration, and interpretation of relevant information from a variety of sources.

The process usually includes:

1. An interview will be set up with you

2. We will be doingbehavioral observations

3. Formal financial capability assessment instruments

4. Records from physicians, psychologists, nurses, social workers, professional counselors, occupational therapists, rehabilitation counselors, and other health care professionals

5. Communication with and from knowledgeable third parties (e.g., family members, friends, non-licensed professionals)

If this something you are looking for, we are here for you. Ontario Debt Settlement works with you ensure you feel comfortable and informed to make this decision for you and your family.

Court / Legals

Here at Ontario Debt Settlement we understand that during the process of recovering out of debt, you may be taken to court/take things to court. This may be a daunting thought knowing that this will be an added expense when you are already strapped for money.

Knowing this and wanting to make your experience with us the most pleasant, easy and affordable; we provide a full range of paralegal services, including all small claims court representation with both Plaintiff action, which will bring you to debt relief. Typically, paralegals charge flat fees that are lower than lawyers’, which will help reduce legal expenses. We offer professHere at Ontario Debt Settlement we understand that during the process of recovering out of debt, you may be taken to court/take things to court. This may be a daunting thought knowing that this will be an added expense when you are already strapped for money.

Knowing this and wanting to make your experience with us the most pleasant, easy and affordable; we provide a full range of paralegal services, including all small claims court representation with both Plaintiff action, which will bring you to debt relief. Typically, paralegals charge flat fees that are lower than lawyers’, which will help reduce legal expenses. We offer professional advice to any client who comes our way and in an inexpensive manner.

As well, do not fret too much seeing as this may be a more efficient way to settle your claim as small claims court procedures are simpler, court fees are lower, and the process is faster.

A very common example of something that would be brought into small claims court is the collection of unpaid personal loans. We have licensed Paralegals who can represent you in small claims and debt collection in Ontario and ensure you are coming out of there with a proper agreement and settlement with the collector. Commonly, a small Claims Court will handle disputes of $25,000 or less. Here at Ontario Debt Settlement we will set you up with one of our professional paralegals who will work on your case endlessly.

Ontario Debt Settlement Paralegals can represent you in your small claim action. Contact us for a free consultation to see how we can effectively represent you in Small Claims Court! We aim to get you to a debt free point and feeling good and confident to move forward financially.ional advice to any client who comes our way and in an inexpensive manner.

As well, do not fret too much seeing as this may be a more efficient way to settle your claim as small claims court procedures are simpler, court fees are lower, and the process is faster.

A very common example of something that would be brought into small claims court is the collection of unpaid personal loans. We have licensed Paralegals who can represent you in small claims and debt collection in Ontario and ensure you are coming out of there with a proper agreement and settlement with the collector. Commonly, a small Claims Court will handle disputes of $25,000 or less. Here at Ontario Debt Settlement we will set you up with one of our professional paralegals who will work on your case endlessly.

Ontario Debt Settlement Paralegals can represent you in your small claim action. Contact us for a free consultation to see how we can effectively represent you in Small Claims Court! We aim to get you to a debt free point and feeling good and confident to move forward financially.

Mortgage Assistance

Like mentioned above, learning to budget leads to a lot of other great financial benefits, one being a higher chance of getting accepted for a mortgage loan. If you are determined to purchase a home while on a debt management program and have been turned down by a traditional bank, there are other mortgage options with us.

The reason for this being is that we strongly believe that everyone deserves their dream home while feeling good financially. Especially since we know that many institutions are a little skeptical to give out loans to people who have been involved with debt programs. Knowing this, we do not want you to be stressed that coming to us may mean you will not be a home owner as soon as you had hoped.

Through our mortgage assistance program, we will have you set up in a way where you can put a down payment on a home, all while keeping up with the monthly payments of your mortgage.

Clients are often told that they need to improve their situation before speaking to a mortgage professional. Here at Ontario Debt Settlement, we understand your situation and work with it regardless. We are a counselling service that helps people manage their money and debt better. We have helped thousands of people in Canada learn how to deal with their debt, build a realistic budget and use credit wisely to reach their goals.

There is no reason why you should not be getting that home you have dreamt for years. Come to Ontario Debt Settlement, and let us be the reason you call yourselves a home owner today!

 

Money Management

We aim to get you debt relief through our debt and money management programs. Everyone deserves debt forgiveness!

It is one thing to get out of debt, but what about staying out of it? Not only do we help you get debt relief fast, but here at Ontario Debt Settlement, we teach you money management to ensure you are moving in a positive way financially.

You can trust us here that we will make you the ‘Michael Jordan’ of saving your money. The minute you step into our office and quickly decide you will be moving forward with us, you will learn how to manage money wisely, design a budget, handle expenses, settle debts successfully, manage debts and make smart investments moving forward.

One of the main things that we teach our clients, and probably a word you heard from your parents growing up; budgeting.

The definition of budgeting is the act of creating a plan to spend your money. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do.

If you want to get out of debt and stay out of debt, Ontario Debt Settlement’s money management program is the right choice for you. One of our specialists will be paired up with you and your family and make sure you know how to best manage your money.

Lump Sum Settlements

Here at Ontario Debt Settlement we know that those phone calls from creditors can be extremely frustrating and we work with you to make sure that they stop as early as possible. Our goal is to get you out debt quick and keep you out of it too. We sit with you and figure out which one of our programs is best suited for you and your family.

Another one of our programs that we offer here is a debt/ ON lump sum settlement which means that you offer your creditors a chunk of money and in exchange they write off, or eliminate, the rest of what you owe on a debt!

This may be an option for you if you have a large sum of money. Often people obtain this money by either borrowing from a friend or family or selling certain assets. If you have not been able to pay back the full amount that you owe and now have access to a large sum of money; this can be right for you as you will now begin paying back what you owe.  We will have your back throughout this process and make sure we negotiate a lump sum payment plan to eliminate your debt.

If this is something you think would be a great option for you, one of our specialists will sit with you and ensure this is the next best move. If not done properly, this could put you into a worse position. However, we know how to make sure this move is done properly which then becomes an effective tool for achieving debt relief.

Contact us for a free consultation to see if a lump sum settlement is the right fit for you and your family! Here at Ontario Debt Settlement we aim to get you to a debt free point and feeling good and confident to move forward financially.

Student Loan Assistance

Studentsoftenare responsible for paying for their own education, housing and food. This is a frightening position to be in especially since the moment you are done, you must begin paying back those heavy loans. What if you have not found a job yet, but are still required to make large payments each month? While also trying to pay for basic daily needs?

These are daunting thoughts, but do not worry, you are not alone. Here at Debt Ontario Settlement, we work with students to ensure they are getting student loan assistance. There is no reason you should come out of your degree even more stressed.

We know that education in Canada getting more expensive and many people are finding that their degrees, diplomas or certificates are putting them deeply into debt.

From the moment, you step into our office, you will be paired with one of our professional debt consultants who will learn the ins and outs of your case. Together you will make a monthly payment plan, learn how to manage your money, all while eliminating any interest fees.

Here at Ontario Debt Settlement we are here to help students with their loans. There is no need to worry that you are done school and now you must begin paying your loans back, because you are no longer alone. We hold your hand throughout the process and are available at all points to chat and make sure you feel very comfortable. We have different programs in place to aid individuals struggling with repayment.

Do not seat there any longer and let your debt accumulate. If this something you are looking for, we are here for you. Ontario Debt Settlement works with you ensure you feel comfortable and informed to make this decision for you and your future.

Debt Management Program

Here at Ontario Debt Settlement we ensure each one of our clients that they will leave our office feeling financially ready to move forward. We work endlessly with you to reduce your interest rates and eliminate late fees. These are two things that will change drastically and leave your pockets feeling elevated.

This all happens by introducing you to our Debt Management Program (DMP). Our DMP, which was designed and crafted by our staff through endless trial and error, will be the solution to your debt. This process happens by combining every single one of your credit card payments into one monthly payment; that is all based on what you can afford and your budget. We will then take this one month payment and distribute the funds to your various creditors. This will be a monthly process. Following this, your debt interest rates are usually reduced to zero. For those creditors who will not fully eliminate your interest, it will usually get substantially reduced.

With following our DMP, that is professionally structured and administered, you will find that there are several advantages that the program will bring to your life. These advantages are far greater that many other forms of debt relief.

Some of the pros include:

  1. Being able to repay your debts more quickly, only having to pay one payment per month, and getting help to rebuild your credit rating when you are done.
  2. All unsecured debt is paid off within 5 years. However, on average it may only take up to 3 years.
  3. Due to your debts being reduced to one monthly payment, creditors will stop harassing you.
  4. You will receive lots of support from us here at Ontario Debt Settlement while you are on this payment program. Including: one-on-one help, budgeting workshops, and credit education.
  5. Peace of mind and less stress about money! You will be able to sleep better at night.
  6. We will offer you help to rebuild your credit rating.
  7. You do not have to worry anymore about selling your home, car, or any other assets.
  8. Only we will know you are on a DMP unlike when you file for bankruptcy or a consumer proposal which are a matter of public record.
  9. All debts included in the DMP are erased from your credit reports 2 years after you finish the program or 6 years after you start (whichever comes first). No other debt relief program is removed from your credit reports this quickly.

Contact us for a free consultation to see if our Debt Management Program is the right fit for you and your family! Here at Ontario Debt Settlement we aim to get you to a debt free point and feeling good and confident to move forward financially.

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