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8:00AM - 7:00PM Office Hours in EST, Mon. - Fri. 1.866.570.9988 Call Us For Free Consultation

Serving Canadians in Select Provinces
Avoid Bankruptcy – Get Debt Free

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YOUR LEGAL DEFENCE TEAM AGAINST COLLECTORS & CREDITOR LAWSUITS

Debts Negotiated
Debts Settled
Debts Gone

We deal with your creditors and eliminate your debt.

Avoid the harmful effects of a consumer proposal or bankruptcy. There is another way and it’s called Debt Settlement. 

Regardless of whether your debts are just unpaid for a while, in collections or you are being sued, GEM Debt Law can negotiate settlements with your creditors.

We typically reduce debts by more than 45% 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. By contrast, consumer proposal and bankruptcy can prevent you from qualifying for loans or credit for years…

What is Debt Settlement?

Debt Settlement involves negotiating with collection agencies or banks and their lawyers, for the purpose of obtaining an agreement for a reduced payment of the debt.

In other words, approached properly and methodically, creditors may be willing to accept a much lesser amount to settle and close-out your outstanding accounts.

You pay less, save money and the collection calls stop.

A Message From Our Operations Manager

STOP ENFORCEMENT

Stop garnishment or property seizure, unfreeze bank accounts ...

LAWSUIT DEFENCE

Our Law Firm Defends You against creditor lawsuits ...

NO APPOINTMENT

Speak with a Legal Team Member and get immediate answers. Over-the-phone support; we pick up instantly.

STOP COLLECTION CALLS

We demand that collection agents never call you again ...

A PROVEN SYSTEM OF DEBT RELIEF.

Carefully monitored by legal professionals.

Utilizing anti-collection strategies and defense litigation procedures.

A PROVEN SYSTEM OF DEBT RELIEF.
Carefully monitored by legal professionals.
Utilizing anti-collection strategies and defense litigation procedures.

FYI…

Avoid paying accumulated interest

Creditors can waive it

Instantly end enforcements

Notify collectors to Cease & Desist

Don’t waste time with credit counselling

Budgeting alone won’t do it

Plus…

Pay-off debts in under one month

Fund settlements with property equity or other sources

Only pay a portion of the principal balance

Fully settle the debt

Minimize payment of back taxes to CRA

Do it legally

Every client, no matter how overwhelming their debt, benefits tremendously from our Debt Resolution Program – customized to their financial circumstances.

Committed to Helping Our Clients Get Out of Debt.


We evaluate your current finances, uncover every possible funding source and predict debt recovery timelines and outcomes.


Using available funds, GEM Debt Law then negotiates the terms of your debt with each creditor. We strive to settle each of your outstanding accounts for a fraction of the amount owing. This saves you thousands of dollars and puts you on a path towards full financial recovery.

Maxed out, overdue, unpaid, in default.

Credit Cards
Business Loan
Canada Revenue Tax
Unsecured Credit
HELOC
Invoices
Commercial Rent
Vehicle Lease
Personal Loan
Mortgage
Equipment Leases
Line-of-Credit
Property Tax
Consumer Loans
Bailiff Demands

Get a Bailout AND Legal Protection from Collectors.

Contact Us

We have brought together a team of legal and financial professionals, bolstering our expertise and reputation as a debt settlement firm.

    A Trusted Debt Settlement Firm

    About Us

    GEM Debt Law is a Multidisciplinary Law Practice providing legal services and representation through Cook Law Professional Corporation, a licensed Law Firm under the Law Society of Ontario. Cook Law Professional Corporation and its licensees operate in partnership with Daria Chyc, a licensed Lawyer under the Law Society of Alberta. Gem Debt Law serves clients in Manitoba, Saskatchewan, British Columbia and other Provinces, on a temporary basis under the National Mobility Agreement between the Provincial Law Societies.

    We strive to significantly reduce our clients’ debts with negotiation. We have saved clients $1000s!

    Head Office

    Ontario

    7800 Woodbine Ave., PH-2
    Markham, ON L3R2N7

    Branch Office

    Alberta

    4246 97 Street NW
    Unit 100
    Edmonton, AB T6E 5Z9

    Hours

    MON to FRI:
    8:00 AM – 7:00 PM

     

    Tel: 1.866.570.9988
    E-mail: [email protected]

    Our Services

    Personal Debt Resolution

    Small Business

    Credit Boost

     

    Providing professional services through Cook Law Professional Corporation.

    Conditions may apply to any information or offer expressed on this website. Inquire with a member of GEM’s team for further details regarding fee rates, program offerings, etc. We cannot guarantee any outcome; HOWEVER, we stand by our consistent record of success on behalf of clients. You may be deemed ineligible for our Programs; for example, if you are unemployed and/or receiving financial assistance, etc.

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