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DEBT ASSISTANCE AT MNP LTD IN ESTERHAZY, SASKATCHEWAN

If you’re struggling to make ends meet — and temporary solutions are only pushing you further into debt — it’s time to take a more permanent approach. This is where MNP LTD can help. Our Life-Changing Debt Solutions are purposely designed to help you put debt in the past, once and for all. One of our Licensed Insolvency Trustees in Esterhazy will work privately with you to put together the right plan of action for your unique circumstances. We’re ready to help you get back on solid financial ground, so you can successfully prepare for a debt-free future.

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Explore debt solutions with our Licensed Insolvency Trustees

You can count on your local MNP LTD Licensed Insolvency Trustee in Esterhazy to detail the solutions that may be right for you, including:

DEBT RELIEF

At MNP LTD, we are mindful that every situation is unique. This is why one of our Licensed Insolvency Trustees will walk you through your options and help you decide on the right path to take. You can depend on us to provide discreet guidance, support and unbiased advice throughout the process, so you can put your debt in the past once and for all.

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 at your local MNP LTD office will lead you through each step of the process, from preparing and filing all necessary documents, alerting your creditors, stopping wage garnishments and helping prevent further legal action against you.

CONSUMER PROPOSAL

A consumer proposal is a formal, legally binding process that is administered by a Licensed Insolvency Trustee; together, you will develop a formal offer to your creditors to settle your unsecured debt over time (no more than 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

Once you are approved for a debt consolidation loan, all of your debts will combine into one monthly payment, generally at a reduced interest rate — one that’s lower than your credit card debt. Because you only have one monthly debt payment to keep track of, debt consolidation helps take the guesswork out of paying bills and can make budgeting easier. Our Licensed Insolvency Trustees are accredited insolvency counsellors and will discuss the options available to you, so you so can make an informed decision — and take the first step toward a debt-free future.

INSOLVENCY

Insolvency and bankruptcy may sound like the same thing, but they have different meanings: insolvency is a financial state of not being able to make debt payments on time, whereas bankruptcy is a legal process. While being insolvent could lead to filing for bankruptcy, there may be other paths to take, such as making a consumer proposal or taking out a debt consolidation loan.

Deciding on the right debt solution starts with getting informed. 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 Esterhazy to guide you every step of the way. Get started with a free confidential consultation.