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    Familes we have helped

    "J. Campbell & Associates Ltd. is fantastic. Kind, empathic and non-judgemental. They are life savers they helped with all my debts and worries with a plan that I never ever thought possible. I wish I'd found you sooner"

    Sue, Toronto

    "I was very impressed by both their concern and helpfulness. It's a weight of my mind and they have stopped my creditors from calling and sending me constant letters. Thank you"

    Rebecca, Hamilton

    "They changed my life with their advice and I can look forward to living debt free, something I could never have done on my own. Supportive staff who listen first then offer choices so I could choose the best option for myself. I felt in control and positive about how I am handling my debts."

    Matthew, Ottawa

    4.9 / 5 Rating


    Declaring Bankruptcy doesn’t have to be a negative experience. At J. Campbell & Associates Ltd, we see filing for bankruptcy as a new beginning.

    Consumer Proposals

    Struggling with your debt? With a consumer proposal, you have the opportunity to make an arrangement with your creditors by repaying a portion of your debt...

    Debt Consolidation

    Debt consolidation is in essence, a loan. A bank or finance company will lend you enough money to pay off all your debt and even catch up on some bills like cable and rent.

    Debt Relief

    Debt relief is a broad term and includes many different options that may resolve the pressure you feel from your debt obligation. If you don’t know where to start, pick up the phone and give us a call. We can review your situation...

    Trouble with any of the below? Get in touch.

    Frequently Asked Questions

    Every year Canadians turn to consumer proposals and other debt solutions to help them become debt free and maintain a reasonable standard of living. We will review and assess your financial situation to see the best solution for you and allow you to determine the payment that you can afford. We will send a detailed statement of your affairs and personal budget to your creditors. Generally, creditors understand that a debt solution will often be less than what is owed.

    Most debt solutions will allow you to keep your assets, in fact some even protect them! Some debt solutions disregard them completely and they make no difference. With a Bankruptcy you may be required to include some or all of your assets. We will review your assets and provide you with the information that you need.

    All we can do is see. We understand that everybody has different circumstances which is why we encourage to always get in touch and let us know your story, let us see if we can help. We will focus on what you can actually afford rather than what the creditors are demanding. Most people qualify for at least one form of debt help and you will always be given information on whatever you qualify for, including ones which may result in your debts being written off completely.

    All solutions we discuss have been around for a long time, they are just not spoken about much on either the radio or television. People usually only learn of ourselves and the available solutions when they are in need of our service. Becoming debt free starts with a free consultation with one of our professionals.

    Depending on which solutions you choose. Formal solutions, like a consumer proposal or bankruptcy, statutorily stop interest during these proceedings. With informal debt solutions, your agent will work for you to get interest reduced, or even stopped.. If you qualify for these solutions you will have them explained to you in full, including advantages and disadvantages so you have a balanced but thorough understanding of the solutions you have so that you can make your own informed decision on how you would like to proceed. Everybody’s individual circumstances are different, so get in touch today for some free, no obligation support and advice.

    A Licensed Insolvency Trustee can assess your financial situation so that you can choose a payment that you can afford. At a time convenient for you we will look over your income vs your expenditure to check what your actual affordability could be towards your debts.