We are committed to giving you impartial advice and to make sure that you are aware of all options at your disposal.  Our counsellors will, if appropriate, discuss options such as personal bankruptcy and consumer proposals. We can help you understand how these compare to other methods of dealing with your debt and how they might impact your credit ratings now and in the future.  We regularly work with Bankruptcy Trustees to ensure that your needs are met as well as providing you with counselling sessions associated with these procedures.