Kitchener Bankruptcy Stopped

Bankruptcy Solutions

It is normal for debts to pile up sometimes and it may seem like it is impossible or unbearable. So, most people often tend to think that filing for bankruptcy is the best course of action. While this may seem like the easiest choice, it is advisable to first look for other solutions to your debt problems. The best and fastest way you can get to learn about these options is by involving a professional mortgage broker and trustees in bankruptcy.

Common Types of Debts

People in Kitchener, Ontario have debts that come in many different forms and sizes. The most common types of debt are:
• Secured Debts – a good example here would be a mortgage or a car loan.
• Alimony and Child Support Debts
• Medical Bills
• Student loans

Financial Situations in Debt Management

The only way you can handle your debt effectively is first by noting down the exact parameters of your current debt situation. This entails the following;
• Assessing your expenses versus your income
• Listing the debt, balance, interest rate and payment
• Noting down how frequent you use your credit cards and the exact items you use them on together with the amount of money spent
• Getting to know your overall credit status

Consumer Proposal

A consumer proposal is an arrangement that allows the person in debt to pay some or all of their unsecured debts by making monthly payments over an agreed upon period of time. This period of time can vary in length and is agreed upon by the debtor and trustee before the Consumer Proposal begins. Under these agreements, the debt is significantly reduced as debts are re-negotiated with the creditors.

Solve Bankruptcy Problems through Acquiring Professional Services
You can get a potential Kitchener bankruptcy stopped by seeking out the services of qualified professionals such as mortgage brokers. Benefits you will enjoy by enlisting services of a professional mortgage broker are:
i. A professional mortgage broker can carefully review your situation, assess and help you set your goals. They will also advise you on some of the current debt options available to you and help you formulate a viable plan towards getting your Kitchener bankruptcy stopped.

ii. Seeking out a qualified professional such as a trustee to discuss options and handle these kind of situations is also most helpful. They can counsel you concerning debt management, consumer proposals and personal bankruptcy.

iii. A professional may be in a better position to negotiate with your creditors, and perhpas agree to new payment terms (including doing a consumer proposal).

iv. In extreme cases, they will advise you on how to properly file for bankruptcy.

v. Some professionals may also provide you with free services to help you budget and formulate a plan to manage your debts.

vi. A trained professional in their respective field is obliged to do what is in your best interests. They will do their best to make sure that they present you with the best solution, and help you come out of your debt problems with integrity. You will be a happy that your debt problems were solved, and they will find a long-lasting client in you. It is a win-win situation.


  • “I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.”

  • “I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Expert Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.”

    M.D, Mississauga, ON
  • “The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.”

    S.E. Orono, ON
  • “My pig farm always made good profit but last year was brutal for the whole industry. I fell behind on my mortgage. I showed FCC that my loss was just a temporary blip and asked them to give me some leeway but they started a foreclosure anyway. Thanks for getting me that private loan to buy me some time until I’m profitable again.”

    K.O., Hawkesbury, ON
  • “My ex-wife’s lawyer gave me 30 days to buy out her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you!”

    J.R. Burlington, ON
  • “We were 6 months behind on our mortgage and the Sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.”

    C.C., Oshawa, ON
  • “The bank refused to value my property based on all 211 acres. They said that their ‘rules’ limited it to 5 acres. Personally, I think that’s biased against farmers. I didn’t know that you had lenders who would value my property on all the acres. I finally got a large enough loan to tie all my debt into one payment. Thanks!”

    C.R., New Dundee, ON
  • “Every time I’d walk into a bank and say the word ‘farm’ the suit on the other side of the desk would look at me like I was from another planet! They had one agricultural ‘specialist’ for the area that was not much better. Then I went to 4 mortgage brokers before I stumbled on your company. Your rates were lower than the bank.”

    M.D., Bradford, ON
  • “Our credit was destroyed after we had a bad year. We needed to expand our facility. I explained to the bank that the expansion would make us profitable. I proved it on paper. They still declined us. I never heard of your ‘no questions asked’ private loans but you gave me $500,000 with no paperwork. That was a Godsend. My wife and I appreciate it from the bottom of our hearts and we won’t let you down.”

    R.Q., Woodville, ON
  • “Once again, a big thank you for arranging our new mortgage and being able to arrange for additional funds on closing. Matthew has worked hard for me over the last few years… I have a very high level of trust in Matthew and Expert Mortgage, and will surely recommend you to anyone I know who is in need. Thank You.”

    M.Z. Brantford, ON