Are you experiencing financial stress or cash flow problems? Or are creditors calling you often, but you are unable to make your payments?

You are not alone.  Come talk to one of our Debt Relief Managers at Doyle Salewski.  We will help you do the math and find a solution to deal with your debt that fits your budget. Give us a call at 613-569-1001 or visit our web site at www.doylesalewski.ca.

With over 25 years of experience, Doyle Salewski, has helped people take stock, consolidate, refinance, and get back on track. We can help you.

We are at the Orléans-Cumberland Community Resource Centre every Monday from 8:30 am until 4:00 pm for in person appointments and follow all Covid-19 health protocols.  We also offer phone or ZOOM consultations Monday to Friday during business hours.  Our consultations are free of charge.

Professional credit counsellors at Doyle Salewski can help!

If you have excessive debt and are no longer able to manage your monthly payments, this ‘’Debt Relief Solution’’ may just be what you are looking for.

Debt Relief Solutions – August 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  A couple with no assets and debts totalling approximately $200,000 are approaching retirement and expressed concern that their minimum debt payments will no longer be affordable with reduced income.

DEBT RELIEF SOLUTION: They are currently paying $2,700/month in minimum payments. Although they have not missed a payment, the balance owing has not changed much on the accounts in the last 6 years due to the interest being paid.  Our Debt Relief Manager considered all options and recommended a consumer proposal as the most affordable solution.

OUTCOMES: Payments were reduced to $1,200/month with no further interest accumulating on the balance owing.  More importantly, they will be debt free in 5 years or less.  They can now plan their retirement with the peace of mind that they will be able to comfortably afford the rent, food, transportation, medical costs and other reasonable living expenses.

Debt Relief Solutions – July 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  A elderly client ran into financial difficulty during the pandemic and obtained 3 payday loans totalling $10,000. The minimum payment was over 800/month, which means the client needed to re-borrow the loan each month to cover their living expenses.

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtor and creditors agreed on a proposal for 150/month for all the debt, at zero % interest

OUTCOMES: The client is able to manage their regular expenses, such as rent, food and medicine, now that an affordable repayment option has been obtained. The client was able to avoid bankruptcy by making a reasonable consumer proposal to their creditors

Debt Relief Solutions – June 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  A couple with $110,000 in consumer debt, approached their bank for a consolidation loan, they have been customers at the bank for 25 and 30 years and have good, reliable income – they were both declined.  One loan payment was 1050/month – and there were also credit cards for both of them

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtors and creditors agreed on a proposal for 800/month for all the debt, at zero % interest

OUTCOMES: Debtors are able to manage other budget expenses now that an affordable repayment option has been obtained. The debtor was able to avoid bankruptcy by making a reasonable consumer proposal to their creditors

Debt Relief Solutions – May 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  Debtor operated a business which included debt that was personally guaranteed. The creditor had gone to court, won the case and was able to freeze the bank account. The debtor tried to make a payment arrangement prior to court, however the creditor would only accept 100% repayment.

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtor and creditor were able to agree to an affordable lump sum payment in addition to a monthly consumer proposal payment which reduced interest charges to $0.

OUTCOMES: Debtor is able to manage other budget expenses now that an affordable repayment option has been negotiated through the Trustee. The debtor was able to avoid bankruptcy by making an affordable consumer proposal to creditors.

Debt Relief Solutions – April 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  Debtor had a very high tax debt from a failed business. CRA was threatening to garnishee the wages and freeze the bank account. The debtor tried to make a payment arrangement – however the demanded payment of 1200/month was not available in the budget.

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan with CRA. The debtor and CRA were able to agree to 400/month in a proposal and reduce interest charges to $0

OUTCOMES: Debtor is able to manage other budget expenses, now that an affordable repayment option has been obtained with CRA. The debtor was able to avoid bankruptcy by making an affordable consumer proposal to their creditors

Debt Relief Solutions – March 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  Debtor had a very high car payment, from rolling over 2 previous car loan balances into the new car – payment was 1100/month. This payment put too much of a strain on the rest of the budget – causing the debtor to fail behind on rent, utilities, and other debt payments.

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to review alternative car options. The debtor was able to obtain a car at an affordable monthly rate and reduce monthly overall debt payments from $600 to $200 as well as reduce interest charges to $0

OUTCOMES: Debtor was able to get back on track: negotiate a reasonable car payment, better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors

Debt Relief Solutions – February 2022

REASON FOR CONTACTING DOYLE SALEWSKI INC.:  Debtor suffered an unexpected marital breakdown, that resulted in stress-leave and as a result, they were unable to make minimum payments on credit cards and high interest rate loans while paying rent, food and transportation costs.

DEBT RELIEF SOLUTION:  Debt relief manager at Doyle Salewski met with the debtor to summarize debt list, prepare a budget based on reasonable living expenses and reduce monthly debt payments from $950 to $200 as well as reduce interest charges to $0.

OUTCOMES: Debtor was able to get back on track and better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors.

Professional credit counsellors at Doyle Salewski can help!

Call for a free consultation: 613 237-5555 or send an email: info@doylesalewski.ca