Helping You Find a Debt Solution

The COVID-19 pandemic has been a challenging time for businesses and individuals alike. Throughout this time, debt problems have plagued many given the changes to our everyday lives. Now more than ever, we are here to provide caring and compassionate help to people seeking debt relief. We are available for FREE consultations given the current climate, and we can offer full service by telephone and video, with the COVID-19 restrictions in place, to ensure your safety. Call us today!

Welcome to Vine and Williams

We are a local firm specializing in consumer proposals in the Southwestern Ontario Region from Mississauga to Hamilton and the Niagara Region. We help our clients find debt solutions, avoid bankruptcy, and consult them on their best option for their situation. We always work to ensure that our clients are receiving the best get out of debt help.

Your Get Out of Debt Experts!

Our firm’s experience helping people dates back 55 years, and we are still offering personalized service to help you understand your options, choose the right debt solution, and reach your goal of re-starting your life debt-free. You stay with us from start to finish – we will not transfer you off to a processing centre where you are just a file number.

As federally Licensed Insolvency Trustees, we at Vine and Williams are regulated professionals who provide advice to individuals and businesses with their debt problems. We can offer a full range of options to help you get out of debt, all of them including:

  • Income tax, HST and other government debts
  • Credit cards, unsecured lines of credit, loans
  • Payday loans and lines of credit
  • Student debt in Canada, if you have been out of school seven years
  • Phone bills and other overdue accounts
  • Car loans if you surrender the car

Keep your house, car, RRSP, life insurance and other assets. Debt relief is within reach. Ask us how with a FREE consultation!

Let’s Talk About Your Tax Debt

Stop creditors, find debt relief and be debt-free including tax debt. If you forget to pay or file your taxes, or if there is a mistake made on your taxes, you can end up owing tax debt. If you can’t pay your taxes, you can make a Consumer Proposal to the Canada Revenue Agency with the aid of a Licensed Insolvency Trustee. Vine and Williams can help you settle your tax and other debt.

What is a Consumer Proposal?

A consumer proposal is a formal plan to repay creditors a portion of your debt over a timespan of up to 5 years. Also referred to as a debt proposal, these terms mean the same thing. We propose to creditors a payment plan on your behalf where you pay a portion of your total debt in one monthly payment you can afford. As your Licensed Insolvency Trustee, Vine and Williams in Hamilton, Niagara, Mississauga, and Halton will help you develop a proposal to offer to your creditors. A consumer proposal will provide you with debt relief and help you protect your assets. It is a strategic and safe way to pay off your debt over time.

For more information, please review our consumer proposal FAQ.

How Bankruptcy Works

It is a legal proceeding that relieves individuals or businesses of their debts. So who pays? Assets are used to pay off creditors and there may be a requirement for you to pay a portion of your income while you are in bankruptcy, depending on how much you earn. Bankruptcy options vary depending on the scenario. The whole process can sound pretty daunting. Have no fear; it’s not as bad as you might think, and you are in good hands with Vine and Williams, serving Mississauga, Oakville, Burlington, Hamilton, Niagara and the surrounding regions. We hold compassion for all of our clients and highly value your experience with us. We will educate you on how bankruptcy works in Canada and take you step-by-step through the bankruptcy process if that is your best option.

Feel free to find answers to your bankruptcy questions.

Consumer Proposals or Bankruptcy?

Speak with Vine and Williams today to determine the best way to proceed with your situation. To avoid bankruptcy, it is worth discussing your case with a Licensed Insolvency Trustee covering Hamilton, Halton, Mississauga and the Niagara Regions.  If a proposal or bankruptcy isn’t right for you, we will help you explore other debt solutions like refinancing or credit counselling.

The difference between a Consumer Proposal and Bankruptcy matters most when it comes to determining your debt solution. Each case will require a different proceeding to best suit your needs. However, taking steps to face your debts to get rid of the added stressors in your life is imperative. We can help guide you to choose the path to debt relief that makes the most sense for your situation.

With 55 years of experience, we know how to direct you toward your financial freedom. We are debt consultants that care. We also believe in supporting our community. As a small Ontario based firm of Licensed Insolvency Trustees, we know our local community and we proudly serve from Mississauga to Hamilton and Niagara.

Do You Need Bankruptcy Help?

We can stop collection calls, wage garnishments, including by the CRA, and legal action by your creditors. So do not lose sleep – know that there is a way out of your debt problems. Call us today, we have offices in a wide area including Hamilton, Niagara, Mississauga, Burlington and the surrounding regions at 1-833-808-8463. Let us help relieve your stress. We are here to find your debt solution!

Your situation is unique, and we will work with you to deal with all of your debts. If a consumer proposal is not suitable for you, we will help you with alternatives: no pressure and no upfront fees. You do have options to get out of debt. We will find the right debt solution for you!

Helpful Debt Solutions Articles

People We’ve Helped

  • I have been struggling with debts and student loans for many, many years after my divorce and felt overwhelmed… living on cash advances and hiding from creditors. Walter Williams took his time listening to my past struggles and how I ended up in this predicament, taking the time to lay out my options and answer any and all questions I had. I was so relaxed and content that what I was doing was the right thing for ME. Claiming bankruptcy was not the end of my life, but the beginning of a more confident and cautious time in my life.”

    Tracy
  • Words may not actually say what I want to say but I hope in some measure to convey my sincere thanks for all you have done for us. Thank you, thank you, thank you.

    Carol
  • I just wanted to thank you for meeting me last week. You made, what was for me a difficult situation, very comfortable.

    John
  • Theresa was referred to me by a close friend. I can only state that my dealings with her have been professional, personable, goal-oriented and, in fact, delightful. Quite impressive I think given the difficult situation I have been in. I would welcome the opportunity to recommend Theresa and, hence, Vine and Williams, to any friend or acquaintance.

    Connie
  • Thanks for your help today. On what was turning out to be a pretty sad day, you made a big difference. For that I am grateful.

    Bob