Credit and Financial Recovery - Metus Lykos - Debt Relief Law Firm in Canada

About Us
Debt Relief Services

Debt Relief for Businesses

Commercial Consumer Proposals

When a business owner qualifies for a Division II proposal (under $250K in unsecured debt).

Business Restructuring

Significantly reorganizing a company's financial, operational, or legal structure

Division 1 Proposals

Reduce high-balance debt ($250K+) through legally negotiated restructuring.

B2B Debt Settlement

Settle business debt for a reduced amount using strategic, lawful negotiation.

Debt Relief for Individuals

Consumer Proposals (Personal)

Government-regulated debt reduction program that consolidates debt and lowers monthly payments.

Division 1 Proposals

Reduce high-balance debt ($250K+) through legally negotiated restructuring.

Personal Debt Settlement

Lump-sum negotiation to reduce personal debt quickly.
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Consumer Proposals, Credit and Financial Recovery

Consumer Proposal Credit Score Impact in Ontario

August 5, 20260Comments

A Consumer Proposal gives you an R7 rating — far better than the R9 from bankruptcy. Learn the timeline, the impact, and how to rebuild.…