About GEM Debt Law
An Established Debt Settlement Firm
We are Licensed Professionals. We Represent Debtors. But we are not Bankruptcy Trustees.
GEM operates as a law firm dedicated to protecting debtors from financial ruin. We strive to significantly reduce your debt load, by utilizing lawful negotiation strategies against your creditors.
We approach your creditors with a hyper-awareness of Canadian contract law and the regulations governing debtor-creditor relations. Contact us.
As one of the few long-standing Debt Settlement Firms in Canada, we proudly adhere to the standards of conduct set by the Law Society of Ontario and the Law Society of Alberta.
Leadership
Scott Cook
Principal Lawyer
George Doufexis
Operations Manager
Maria M.
Negotiations Manager
GEM’s fiduciary duty obliges us to serve the clients’ best interests, not the creditors or collectors.
Client Stories
Adara’s salary was being garnished and she was behind on bill payments. We came up with a debt resolution plan that enabled us to approach her creditors and negotiate settlements for much less than the amounts owing. Adara was thrilled to pay only a small percentage of each outstanding debt. Today, she is debt free, her garnishment has stopped, and she is actively improving her credit rating.
James runs his own reno and repair company. He was struggling to pay his subcontractors on time, while still having enough to paydown the business loans. We convinced James that bankruptcy was not the answer: harmful to your reputation and a hindrance to future revenue growth. Then, we strategized a full financial restructuring and negotiated massive reductions on the amounts owing for each of James’ business loans. James has since hired two more subcontractors and his company is fully booked for new projects a year in advance.
Jerome tried confronting the collection agents, but concerns grew when they began asking very personal questions. We made the collectors’ calls stop immediately. Next, we formulated a plan unique to Jerome’s financial situation and persuaded his creditors to accept far less than the total outstanding debt. This was all achieved without a consumer proposal and Jerome was able to begin rebuilding his credit, without any financial constraints.
Client Stories
Adara’s salary was being garnished and she was behind on bill payments. We came up with a debt resolution plan that enabled us to approach her creditors and negotiate settlements for much less than the amounts owing.
Adara was thrilled to pay only a small percentage of each outstanding debt. Today, she is debt free, her garnishment has stopped, and she is actively improving her credit rating.
Adara
James runs his own reno and repair company. He was struggling to pay his subcontractors on time, while still having enough to paydown the business loans.
We convinced James that bankruptcy was not the answer: harmful to your reputation and a hindrance to future revenue growth. Then, we strategized a full financial restructuring and negotiated massive reductions on the amounts owing for each of James’ business loans.
James has since hired two more subcontractors and his company is fully booked for new projects a year in advance.
James
Jerome tried confronting the collection agents, but concerns grew when they began asking very personal questions.
We made the collectors’ calls stop immediately. Next, we formulated a plan unique to Jerome’s financial situation and persuaded his creditors to accept far less than the total outstanding debt. This was all achieved without a consumer proposal and Jerome was able to begin rebuilding his credit, without any financial constraints.
Jerome
Kasha wanted to keep her home where she raised her family, but there were multiple liens on title and Power-of-Sale proceedings were underway.
We contacted the Court and Sheriff to put a halt on the property seizure. Then, leveraging Kasha’s personal network, we presented enticing settlement offers to her creditors and settled-off each debt for a fraction of the lien amount.
This allowed Kasha to continue life as a homeowner and regain financial stability, together with peace of mind as a parent.
Kasha
Client Reviews
