Bankruptcy can be a tempting option for those struggling with debt. It's important to understand that filing for Bankruptcy comes with certain consequences. GEM Debt Law

Licensed Insolvency Trustees aren't free. They get 20% of what you pay in the proposal. The more you pay, the more money the Trustee makes. Contact GEM Debt Law!

George Doufexis, Director of Operations at GEM Debt Law was interviewed and quoted in a Global News article. “How higher home equity could help Canadians deal with high-interest debt

We often encounter consumers like yourself, who previously went to a Trustee to pay off debt and were presented with a Consumer Proposal at a rate of 100% to 120%. In other words, they must pay off their entire total

You're not alone. Credit Card debt can rise in the blink of an eye, during the holiday shopping madness! For many, the situation gets out of control quickly.

What is a Consumer Proposal? Often called “Soft Bankruptcy,” Consumer Proposal allows a consumer-like yourself, to offer a debt repayment plan to their creditors, i.e. banks, loan companies, etc… This legal process is administered by the Office of the Superintendent of