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Debt Consolidation and Debt Free

Financial Difficulties ? Need Debt Free ?

Credit Card, Line of Credit, Personal, etc.
CRA TAX (Personal and Business) / Student loan
Stop the aggressive creditors and Collection Agencies
Stop garnishments / Stop court processes

Get Started

Come talk to TR Consulting Canada (TRCC)
and
Find your smile again.

We will provide you FREE FINANCIAL ASSESSMENT.
We will remove all your DEBTS and assist you CREDIT REBUILD PLAN.

We work for you to solve your financial problem
with Certified Insolvency Counselor, Paralegals and Lawyers.
We have solved over 1,300 cases successfuly.

Let us help you !

Consumer Proposal (Proposal) and Bankruptcy Protection are
one of Canadian federal government programs and court processes.
We always try to protect the right of debtors; through us, you can have a new fresh start.
We have been serving people of entire Canada for over a decade and successfully freed many Canadian families and businesses from their debts.

Our goal is to help you through your current financial problems for a better, healthier financial status. We can help you solve your financial issues and take back control of your life with the tools you need to stay out of debts.

Tel:   647-674-1031       
Email:   trconsultingcanada@gmail.com


     www.facebook.com/trconsultingcanada/





How Works


Essentially, this system applies to the debtors, who have a property and heavy debt burdens, with simple procedures. After adjusting the debt accordingly to the abilities of the debtor, for the agreed fixed period, without interest and without seizing of the real estate properties, you can repay back in small, manageable amounts.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/


Less Payment


It is a method that to reduce the required repayment down to, potentially, less than 30% of the original debt amount, and then clean off the rest, while protecting the debtor’s assets and property, and repaying the adjusted debts. Debtor can be protected from creditor’s pressure, lawsuit, seizing of property, or garnishing wages. Despite having these systems put in place, many people still do not understand this system fully.



Who can file a bankruptcy?


Bankruptcy can be filed by anyone such as self-employed, salary takers, housewives, students, retired people, CPP receivers, and those with even temporary status (such as tourists) who stay on short terms such as international students, worker permit status, and travelers.
Debts can accumulate quickly as one go through activities of consumerism; using credit cards, purchasing goods, borrowing money. Debts that accumulate from these activities, exceeding one’s own ability to repay them, even if they put in all of their assets, are seemingly nearly impossible to repay. Bankruptcy is a program to clean up such heavy burdens off of you.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/


Certificate of Discharge


The main objective of the bankruptcy is not in the process of bankruptcy itself, but more in the process after the bankruptcy to obtain the discharge and have the opportunity for the financial revival. Especially for the debtors who have majority of their income set away to the repayment and struggling to stay afloat, the personal bankruptcy system – a program that obtains the current debt’s discharge order and clears it all – can be the remedy to your financial burdens.
A bankruptcy is another way to solve for your debt issues. At the end of the process, your debts are discharged (meaning, your debts are cleanly removed from the court order) and relieve you of your debts. Frequently and often known as the last solution, filing for bankruptcy is a big decision that can have strong emotional burdens, but it can provide you with a fresh start to rebuild your life and your finances.


Your Credit can be rebuilding with
TR Consulting Canada

Debt Relief
Do you feel like you’re not paying anything but interest on your debt?
Are you drowning in debt?
Have you ever had phone bill, mortgage, or loan defaulted?
Do you have to rely on your credit cards to pay for your credit card bills and monthly expenses?
Is your CRA tax or student loan payment under delinquency?

Now is the time to take action and take debt relief.
Debt relief is the forgiveness of debt to a degree, or the slowing or stopping of debt growth, owed by individuals or businesses. The debt relief programs are: Credit counseling, Debt Management Programs, Debt Consolidation Plans, Debt Settlement, Proposal, and Bankruptcy.

TRCC provides Canadians with help, resources, and education to help those who struggle with debt to a road to recovery.
TRCC can help you:
- Consolidate and eliminate your debt
- Reduce your interest rate to 0%
- Stop creditor harassment
- Stop garnishes and foreclosures
- Protect your assets


A simple processes for debt relief is
1. Evaluating your current credit situation with a trained credit counselor
2. Building a payment plan that works with your income and budget, for the best debt solution for you
3. Negotiating with the creditors to reduce or clear out your debt interests, if it becomes necessary.

Credit Management
Credit management is the process of granting credit, and recovering the credit when the time is due. This is the function within a bank or company to control credit policies that will improve revenues and reduce financial risks. This function is often handled alongside Accounts Receivable and Collections in one department of a company.

Tips for keeping good credit:
1. Keep balances low on credit cards and other “revolving credit”, and pay off debts rather than moving it around.
2. Have an unsecured credit card (or cards), it helps you to raise your scores.v 3. Don’t expect your credit score to improve significantly quickly, it takes time and efforts so don’t be idle.
4. Have in mind to reduce the amount of debt you owe on your credit card to increase your available credit limits.
5. You can get more points when you have bigger credit limits.
6. Usually the credit score update is every 30 days. Pay your bills before the due date.
7. Regularly, at least once a year, check your credit point through one of the major credit bureaus. If you find any mistakes or information you have never provided, contact us to solve it on your behalf, otherwise, it can affect your credit sooner or later.
8. Joint credit cards (with spouse)’s credit points affects both of the credit card holders – If your spouse has a bad credit, it will affect you as well.
9. When you purchase with your credit card and was declined or told it had insufficient fund, contact your credit card company. It’s best to fix it as soon as you can.
10. Control your budget, for both consistent expenses (like utility and hydro bills) and for expenses that varies (dining out, car repair fee, etc.) so you don’t spend excessively.
11. Pay all of your bills on time, especially you debts. Late payments might be reported to the credit bureaus and hurt your credit score.
12. Pay more than the minimum monthly payment or pay off your credit cards in full each month.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/

Credit Rebuild
In Canada, the credit scores ranges from 300 (when you first get started) to 900 points (the highest score). Usually, a credit score of 650 is considered the middle point. A score above 680 usually qualifies you for a standard loan; it means any score under the point will make it difficult to get new credits or loans.

North American Standard Account Ratings are most frequently used in credit rating to show your credit level as a scale from R1 to R9 for each of your credit cards; a good credit, for example when you always pay full on time, is R1, while a bad credit, for example if you never paid back, is R9.

Every credit companies report your credit level every 30 days to the credit bureau.
To rebuild the credit level, consider the following processes.
1. Apply for an unsecured Canadian credit card.
2. Apply for a fund or loan, such as GIC.
3. Apply for a secured credit card if you cannot get unsecured credit card
4. Apply for a mobile phone.
5. Pay your credit card balance, on time and in full, each month.
6. Don’t miss payment for bills such as tax, hydro, gas, etc.

We, TRCC, can help you open a new credit account and GIC account to accelerate your credit level.
If you are struggling or feeling the stress by these problems, then we encourage you to use this system, have hope, and revive your financial health.

For the decade, we got lowest percentage of repayment rate percentage. We can deal with the banks on your behalf so you can make one small monthly, interest-free payments through dealing with the creditors.

We, TRCC, promise to help you, along with our collaborated teams of professional lawyers and consultants, with your road to a new start, in high confidentiality accordingly to the Canadian Privacy Act.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/






FAQ and TESTIMONY

You may look over our FAQ page to quickly understand and find answers to your questions.
We always try to protect the right of debtors; through us, you can have a new fresh start.
We have been serving people of Ontario, British Colombia, and entire Canada for over a decade and successfully freed many Canadian families and businesses from their debts.

Self-examination of your financial situation
Review the following, and if you relate to any of them, then we can help you.
Come to us for a free consultation.

1. Living expenses are covered by credit card
2. Credit card is spent until limit and struggling with interest or repayment every month
3. Often, overdraft is used
4. Each month, paying the minimum payment for the credit card
5. Borrowing money, and trying to repay another debt
6. Delay in paying the rent, mortgage, hydro, or gas
7. Receiving disturbances or sued by creditors
8. Collection companies calling or sending letters to demand the money
9. Garnishment on wages
10. Family or relatives struggling or have struggled due to debt
11. Overburdened by the thoughts of repaying the debt


TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/

TESTIMONIAL
John C
Simply the best.
Caring, understanding and non-judgmental.
Just an incredibly efficient and knowledgeable team.
I can't say enough how much they have meant to me through this difficult time.
Thank you!

Cathy M
I was so nervous before I went in for a consultation but the Trustee was so nice and personable which made me feel so much better. He was patient and answered all my concerns and questions. Now being in a Consumer Proposal with one low payment I feel a tremendous burden has gone from my life.

Brian P
Very professional and extremely helpful
We were treated exceptionally well and were helped through this stressful experience with professionalism and a great deal of support. I wish we had done this sooner as we know how a lot less stress and can now move forward more secure in our future.

Becky J
They listen to you, they help you, they guide you to the best solution that would benefit you and your life. When you think there's nothing left that can help you as I've been in that position a few times and gave up, I tried one last option and went to TRCC. You have nothing to lose.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/

FAQ:
Q: If I file for a proposal or bankruptcy, will there be any restriction on my normal financial activities?
A: Proposal and bankruptcy are both Canadian federal financial program available as a remedy to Canadians suffering from financial difficulties. After bankruptcy and proposal proceeding, there are no restrictions.

Q: After bankruptcy or proposal, is it possible to open a bank account?
A: Of course! Those who filed bankruptcy or proposal can apply and open bank accounts. We, TRCC, through consultation, advise you the best time to apply for the bank account.

Q: After bankruptcy or proposal, what will happen to credit level?
A: Credit level will be adjusted according to the laws made in place after bankruptcy or proposal. We, TRCC, after bankruptcy or proposal, can provide consultation, education, and advice to help you recover your credit level as fast and as healthy as possible.

Q: Collection companies keep calling me and sending me letters demanding to repay the money.
A: Collection companies “collect” the debts on behalf for the original creditors. Of course, they would send letters and calls. Initially, the collection companies would normally not immediately take legal actions. In the meantime, do not respond, and contact us, TRCC, to receive a free consultation.

Q: I have a house. How can I take care of the debts without losing my property?
A: While it depends on the current value of the property, with the condition of consistently and continuously paying the mortgage, there can be a possibility of maintaining possession of your property.

Q: Once I file for bankruptcy or proposal, do I have to give up my car, too?
A: It depends on the current value of the car, but often, cars are leased or financed and thus, they would not be a problem. Therefore it is possible to keep your car even after you file for bankruptcy or proposal.

Q: After filing for bankruptcy or proposal, is there any restriction in travelling abroad?
A: No, there are no restrictions.

Q: I’m an international student from abroad. Can you take care of credit card debts as well?
A: Yes, even international students and temporary visitors can file for bankruptcy or proposal.

Q: Due to previously-unpaid debt, I am being sued. What can I do?
A: If the debt is an unsecured debt, and you lose the case, then the creditor can apply for the unsecured debt to become a secured debt, or even garnish your wage or property.
We, TRCC, provide services that deal with a small claim or other legal issues together with our services.

Q: I couldn’t pay off a government-supported student loan. Can I file for bankruptcy or proposal?
A: Government student loans can be resolved only after 7 years have passed after you have finished your study.

Q: I have delayed owing of CRA Tax, (deport). Is there any way to resolve it?
A: Of course. Taxes that result from business operations, or other personal activities, can be resolved.

Q: Is Business tax resolvable?
A: Canada’s business tax has many types, such as HST, payroll, and corporate tax. Taxes that result from the business operation can also be resolved.

Q: I have a conflict with the landlord due to business lease or rent on default. Is there any way to resolve?
A: Does that mean your business is currently not operating well? We, TRCC, provide mediation for conflicts with the landlord.

Q: I have filed bankruptcy or proposal before in the past. Is it possible to file it again?
A: It’s possible that you may be stuck in a situation where bankruptcy or proposal is unavoidable, again. There are many people who have filed for bankruptcy or proposal more than once (or even twice).

Q: Can I retain you from wherever I reside?
A: We, TRCC, provide service to all of Canada.

TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com

  www.facebook.com/trconsultingcanada/

If you are struggling or feeling the stress by these problems, then we encourage you to use this system, have hope, and revive your financial health.

For the decade, we got lowest percentage of repayment rate percentage. We can deal with the banks on your behalf so you can make one small monthly, interest-free payments through dealing with the creditors.

We, TRCC, promise to help you, along with our collaborated teams of professional lawyers and consultants, with your road to a new start, in high confidentiality accordingly to the Canadian Privacy Act. 

We always try to protect the right of debtors; through us, you can have a new fresh start.
We have many professionals with lots of experiences to help you solve any financial problems.

We have been serving people of Ontario, British Colombia, and entire Canada for over a decade and successfully freed many Canadian families and businesses from their debts.

We can provide solutions:
CRA tax (including business tax) problems,
How to deal with and stop the aggressive creditors and collection agencies from bothering you,
Student loan,
Unsecured loans,
Solve garnishments,
Stop court processes, and
Restructure your credit level.

Our goal is to help you through your current financial problems for a better, healthier financial status. We can help you solve your financial issues and take back control of your life with the tools you need to stay out of debts.

Contact us and get back your smile.

Owing
CRA tax ? Student Loan ? Business Loan ? Line of Credit ? Credit Card ?


We have solved over 1,300 cases successfuly.
Let us help you !


TR Consulting Canada (TRCC)
Tel: 647-674-1031
Email: trconsultingcanada@gmail.com


  www.facebook.com/trconsultingcanada/




The Best DEBT FREE Solution - TR CONSULTING CANADA
Owing
CRA tax ? Student Loan ? Business Loan ? Line of Credit ? Credit Card ?

We have solved over 1,300 cases successfuly.
Let us help you !


  www.facebook.com/trconsultingcanada/



Email


trconsultingcanada@gmail.com

Phone/Fax


Tel: 647-674-1031
Fax:416-626-6996