DEBT RELIEF OPTIONS to
financially restore YOU.
✅ STOP COLLECTORS FROM CALLING
✅ DEFEND AGAINST BANK LAWSUITS
✅ REDUCE UP TO 80% OF YOUR DEBT
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WE CAN HELP ELIMINATE YOUR DEBTS!
We are a Licensed Canadian Law Firm operating in Ontario, Manitoba, Saskatchewan, Alberta and British Columbia. We strive to significantly reduce your debt load, by utilizing lawful negotiation strategies against your creditors. In fact, we save our clients $1000’s.
We typically reduce debts by more than 60% of the principal balance and we pass these savings onto you.
Debt Settlement is a lawful and effective alternative to get out of debt, without the long-term consequences.
If you are a homeowner, then save your home from lawsuits, enforcement of liens and seizure under Power-of-Sale.
Gem Debt Law can negotiate lien removals and leverage the property’s equity to expedite the process of settling unsecured debts (i.e. credit cards, lines-of-credit, etc.).
Debts can be eliminated within a timeframe of under one month.
Homeowners with maxed-out credit and overdue bills, often take on a second or third mortgage, which provides quick funds, to consolidate these debts.
However, instead of just paying debts in full (interest and all), Gem Debt Law can make use of the mortgage funds to settle your debts, for much less than owing. We negotiate each outstanding account, so you pay less than 50% of the balance (after interest waived), to Settle-in-Full.
Usually, we save clients enough to have extra funds left over, for their own spending.
If you are not a homeowner, we can create a unique debt relief plan by leveraging your income, various funding sources and your hidden financial potential, etc… We begin by raising funds to use as settlement offers and if you require further funds, you may qualify for a low interest debt consolidation loan… Contact us for more information.
Through negotiations, using available funds to offer minimal settlements, your debts to creditors can be reduced to a small percentage of the amount owing and paid-off completely.
Why Avoid Bankruptcy?
Consumer Proposal ( “CP” ) and Bankruptcy should be treated as a last resort only. Here’s why:
- Before CP begins, you must surrender credit cards.
- Before Bankruptcy, you may be required to surrender property and other assets.
- During CP, you cannot qualify for loans or credit.
- CP takes up to 5 years to pay-off debts to creditors.
- CP and Bankruptcy status is left on your credit report for 6+ years.
- CP requires not only repayment of debts, BUT ALSO, additional payment towards your property equity and value of other assets.
- Under CP and Bankruptcy, some licenced professionals must discontinue their license.