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The cost of a BC bankruptcy
is set by the Government. Our trustees have payment terms available.
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305 – 221 West Esplanade (at Chesterfield), North Vancouver, BC. Phone: 604-757-0740, Toll-Free:1-888-224-3394 Map and Driving Directions. | Mobile Site
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from our Prince Rupert Bankruptcy Trustees.
Greg Best: Chartered Insolvency & Restructuring Professional, Trustee in Bankruptcy.
Asking for help with financial difficulties is a very difficult step. I am very experienced in helping people in BC with their financial difficulties and understand how difficult this step can be. Don't be discouraged, there are solutions. You do not have to solve the problems on your own. Help is available.
I will work with you to find the best solution and will explain your rights and your options, including bankruptcy, proposals and debt counselling in BC. Our first meeting is always free. Call me to arrange a free confidential consultation and take the next step to solve your financial difficulties.
Many people I help are able to avoid bankruptcy if they deal with their financial difficulties early enough.
I take a very practical, non-judgmental, personalized approach to solving financial difficulties. I believe that everyone is entitled to a fresh financial start.
If you are experiencing financial difficulties, call me to arrange a free consultation, together we can find a solution to your financial difficulties.
The initial consultation is free and it's confidential.
Theresa Dergousoff has been working with Smythe Ratcliffe since 1982. Theresa is focused on small business services and has recently embarked on her insolvency counseling certification. She says that working with great clients and coworkers is what has kept her enjoying her position over the years.
Theresa graduated from the University of British Columbia with a Bachelor of Commerce. She is very active as a director of a local Credit Union with whom she has been a board member for 10 years. She was one of the first directors in Canada to receive the designation of Accredited Credit Union Director.
Theresa keeps busy as a parent to two teenage children, one in university and one who is a nationally ranked competitive swimmer. In her spare time, she enjoys skiing and gardening and loves the convenience and clean air of living in the great community of North Vancouver.
If you have concerns about money
and need
help
call me for a FREE CONFIDENTIAL CONSULTATION.
The cost of a BC bankruptcy
is set by the Government. Our trustees have payment terms available.
You'll find our
Prince Rupert area bankruptcy trustees knowledgeable, helpful and friendly. We'll start by scheduling
a meeting with you to discuss the solutions best suited to your situation. This meeting is free, and it's confidential. We'll help you make the right
decision so you can regain control of your life.
We are available to
assist you in identifying your options and forming a plan to get you
a fresh financial start. Our Prince Rupert area bankruptcy trustees have many ways to assist people with their financial problems. These include:
Consumer proposals;
Budgeting;
Debt Counselling;
Third party settlements with creditors; and
Refinancing.
Important information for your protection from our Prince Rupert bankruptcy trustees:
Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing bankruptcy trustees can help you with. Our Prince Rupert area bankruptcy trustees are highly trained professionals who will give you the best advice they can even if it means you do not use our services.
Our Prince Rupert area bankruptcy trustees are licensed and regulated by the Federal Government and subject to stringent codes of ethics. Bankruptcy trustees are the only debt professionals who can providea full range of financial solutions.
Furthermore, bankruptcy trustees are theonly debt professionals who can guarantee that you will get protection from your creditors.
Our experienced financial counsellors help people manage and resolve severe financial problems. We understand how stressful this situation can be and know how to help. Our goal is to guide people through a very difficult time and help them move towards a brighter, more financially secure future.
All our bankruptcy trustees are members of provincial and national professional associations. We honour and respect the Codes of Ethics of these associations and The Superintendent of Bankruptcy.
If a BC bankruptcy or a BC proposal is your best option for getting a fresh financial startyou are allowed
to keep up to $31,000 of personal assetsas follows:
Equity in a home in Greater Vancouver and
Victoria = $12,000. In the rest of the province = $ 9,000;
Equity
in Household items = $ 4,000;
A vehicle exemption is available only if the value of the vehicle does not exceed $5,000; The vehicle exemption drops to $2,000 if the debtor is behind on child care payments (to facilitate the enforcement of Maintenance Orders)
Equity
in work tools = $ 10,000;
Equity
in essential clothing and medical aids is unlimited.
BC Harmonized Sales Tax Credit (BCHSTC).
To help offset the impact of the new tax on low-income residents, the province is introducing a new refundable credit program called the BCHSTC. The BCHSTC is an ongoing non-taxable quarterly payment that will be integrated with the Goods and Services Tax Credit (GSTC) and the British Columbia Low Income Climate Action Tax Credit (BCLICATC) payments starting in July 2010.
The Climate Action Tax Credit is exempt from seizure by the trustee. However, the GST/HST tax credit and the BCHSTC will be available to the trustee to the amount necessary to cover trustee fees.
Greg Best: Chartered Insolvency & Restructuring Professional, Trustee in Bankruptcy.
Theresa Dergousoff: Debt Counsellor. 