Often the best alternative to personal bankruptcy is filing a consumer proposal to your creditors to settle your debts. Risman and Zysman Inc. will help you determine if you qualify to make a consumer proposal. The amount a client pays is dependent upon their earnings and owned property. Our dedicated team of trustees will skillfully guide you through the process which can only be completed with the assistance of a licensed trustee in bankruptcy. Risman and Zysman Inc. trustees can assist you by creating and filing the proposal, negotiating between you and your unsecured creditors and sending them your payments, and filing documents upon completion of the terms of the proposal which release you from debt.
The advantages of filing a consumer proposal are that your assets are protected and creditors often agree to accept a notably discounted, more manageable amount. With a consumer proposal, clients can have peace of mind knowing that interest charges on unsecured debts cease as do unsecured collection actions including calls, letters, garnishes and legal action The team of trustees at Risman and Zysman Inc. can make a binding offer to your creditors, allowing you to avoid personal bankruptcy. We also provide credit counselling sessions, arming clients with the tools necessary to build a secure financial future.
Find out how you can be debt free in 5 years! Contact us for a confidential free consultation. Risman and Zysman Inc. – your trustee in Bankruptcy.