About Us

At Vine and Williams, we are a small local firm offering trusted personalized service. You will always have direct access to your Licensed Insolvency Trustee and Senior Insolvency Specialist. In addition, you will not be moved to an administration department like you would with one of the larger firms that you hear ads for. We remain humble in our service offerings and believe in consistent human connection and relationship building. You can trust us to help you through the process leading to a brighter financial future.

55 Year History of Helping People Relieve Debt

We at Vine and Williams are proud of our history of helping people who find themselves in financial difficulty. The practice was founded by Henry Vine, who Walter Williams later joined. Together they formed Vine and Williams Inc. in 1995. Mr. Vine retired in 2011, but the values he established remain. We will treat you with dignity, respect and compassion.

Asking for help is difficult for most of us, so taking that first step to reach out is critical. Trust that we are here to listen to you and help you find a debt solution so you can stop worrying about your debt problems and start taking control of your finances. As Ontario Licensed Insolvency Trustees, we are federally recognized advisors. We can stop garnishments, Court actions and collection action by creditors, including CRA. There is no cost and no obligation to meet with us, and you will feel better knowing what your options are.

We are a small local firm with our head office located in Hamilton, Ontario, and we offer personalized service to every client we work with. You will always have direct access to your Licensed Insolvency Trustee and Senior Insolvency Specialist here at Vine and Williams. We are straightforward, consistent, and remain accessible to you throughout the entire debt relief process. We will help you determine the best course of action whether bankruptcy or a consumer proposal best suits your situation. If these aren’t right for you, we will guide you toward your best debt solution even if it means we refer you to someone else who can help.  This is the integrity you can count on.


We have multiple offices available to serve you where you work or live, and we are recognized Ontario Licensed Insolvency Trustees. Our reach spans Hamilton to the Niagara Region and eastbound to Mississauga. See full location details.

Call us at 1-833-808-8463 (VINE) or click the button below.

Our Team

Christine Zuk

Christine Zuk
President, Licensed Insolvency Trustee

I understand how difficult it is for you to place your trust in me. I will walk with you through the insolvency process, making sure you understand every step of the way.

With over 30 years of insolvency experience, Christine is a Licensed Insolvency Trustee, a member of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP), a certified Insolvency Counsellor, and a Chartered Professional Accountant (CPA, CA). She joined Vine and Williams in 2012 and is responsible for the day to day management of the practice.

Christine graduated from the University of Waterloo in 1988 with a Masters of Accounting and received her CA designation in 1989. She developed an interest in insolvency while working as a co-op student and moved to full time corporate insolvency practice as soon as she obtained her CA in 1989. Her focus at Vine and Williams is consumer practice, helping people one at a time with honesty, integrity and compassion.

Theresa Elliott

Theresa Elliott
Senior Insolvency Specialist

Life happens to each of us! No one is exempt! We all have things to deal with in our lives. Let me help you find a solution for dealing with your finances that will give you a plan moving forward and will relieve the stress that you are living with. I look forward to helping you with this!

Theresa is a Senior Insolvency Specialist and qualified Insolvency Counsellor with Vine and Williams Inc. who has been working in the field for over 18 years. Theresa is very personable and enjoys helping clients realize an optimum solution that leaves them feeling stress free in a manner that is totally straightforward.

Theresa is often the first person that you meet at Vine and Williams. She will put you at ease, listen to you, and help you understand your options. She will be there to help you start the process and will remain available as part of your team throughout.

Best Possible Debt Solutions

Collectively, we have an unbeatable team that puts the needs of our clients first. We work tirelessly to provide you with the best possible outcome for your debt situation. With knowledgeable resources found from our team, you will be in the best hands whether you are filing for bankruptcy or a consumer proposal.

We are proud of our established presence which started as Hamilton Licensed Insolvency Trustees and has grown to surrounding areas. We love to serve our local community. Should you require assistance, please call us today for a FREE consultation! Not sure … call anyway and we’ll figure it out together.

People We’ve Helped

  • 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.

  • 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.

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

  • 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.

  • 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.”