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DEBT ASSISTANCE AT MNP LTD IN FORT ST. JOHN, BRITISH COLUMBIA

If you’re feeling weighed down by debt — and quick solutions are only pulling you deeper into debt — it may be time to take a long-term approach. This is where MNP LTD can help. Our Life-Changing Debt Solutions are designed to help you eliminate personal debt for good. You’ll work privately with one of our Licensed Insolvency Trustees in Fort St. John, where together we’ll develop a custom plan that works with your unique needs and circumstances. We empower you to take control of your finances, so you can plan for a debt-free future.

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Find the right option with the help of a Licensed Insolvency Trustee

You can talk to your local MNP LTD Licensed Insolvency Trustee in Fort St. John about the different debt solutions that may be available to you, including:

DEBT RELIEF

At MNP LTD, we appreciate that each debt challenge is unique. Rest assured, one our Licensed Insolvency Trustees will guide you through your options, so you can make the best decision for your circumstances. We offer confidential guidance and non-judgemental advice to help you break free from personal debt for good.

BANKRUPTCY

As a structured, formal process, the purpose of bankruptcy is to provide you with a fresh financial start. One of our Licensed Insolvency Trustees will walk you through every step of the process, including preparing and filing all mandatory documents, informing your creditors, putting a stop to wage garnishments and helping avert any further legal action against you.

CONSUMER PROPOSAL

Developed with help of a Licensed Insolvency Trustee, a consumer proposal is a legally binding agreement between you and your creditors that outlines a plan for paying back your unsecured debt within a maximum term of five years. One of the differences between a consumer proposal and bankruptcy is that you get to keep all assets — assets that could potentially be taken away in a bankruptcy.

DEBT CONSOLIDATION

A debt consolidation loan merges all of your debts into one overall loan that you will pay off on a monthly basis, usually at a lower interest rate than your credit card debt. Since you only have a single monthly debt payment to make, debt consolidation can make it easier for you to stay on top of your finances. As Licensed Insolvency Trustees, we are accredited insolvency counsellors who will guide you through your options, so you can choose the best path to a debt-free future.

INSOLVENCY

Sometimes mistaken as interchangeable terms, insolvency and bankruptcy mean two different things: bankruptcy is defined as a legal process, whereas insolvency is a financial state where a person is unable to pay back creditors on time. While the condition of insolvency may lead to filing for bankruptcy, there may be other solutions available, including a consumer proposal or a debt consolidation loan.

When looking for debt solutions, it’s vital to understand your options. From learning the key differences between bankruptcy and a consumer proposal to understanding what’s involved in the process of consolidating credit, you can count on your local MNP LTD bankruptcy trustee in Fort St. John to guide you every step of the way. Start today with a free confidential consultation.

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