Victoria Bankruptcy Trustees.

Got Debt? Need Help? Get the Facts!

Our Victoria Bankruptcy Trustees Can Help!

Call us for a Free Consultation: 250-999-2781,

The cost of a BC bankruptcy is set by the Government.
Our trustees have payment terms available.

209-1497 Admirals Rd. Victoria BC
Telephone:250-999-2781
Map and Driving Directions | Mobile Site

Please bring this filled out form to the first meeting with the trustee.

Click the Confidential Callback button for a free case evaluation
from our Victoria Bankruptcy Trustees.

Kathryn Belton: Chartered Insolvency & Restructuring Professional, Trustee in Bankruptcy.

Phone:250-999-2781

Email |

Kathryn Belton is passionate about helping people find their way back to financial stability and peace of mind, which is why she has been a part of the SmytheRatcliffe Insolvency team for more than 15 years. As Vice President of SmytheRatcliffe Insolvency, Kathryn heads the Victoria office.

Kathryn is a certified Chartered Insolvency and Restructuring Professional and a licensed Trustee in Bankruptcy and holds a diploma in Office Management from Malaspina University-College.

Kathryn is a doting grandmother of five, who loves reading and doing puzzles of all kinds. One of her proudest achievements was being the manager of a provincial champion precision figure skating team for several years.

The initial consultation is free and it's confidential.

David Ballinger: Debt Counsellor.

Phone:250-999-2781

Email |

David Ballinger joined Smythe Ratcliffe Debt Advisors in 2010 after 14 years in both management and financial planning roles. His goal is to not only guide individuals and businesses through the insolvency process, but to also provide them with the tools to make the best of their fresh start.

He received his Bachelor of Commerce Degree, majoring in International Business from the University of Victoria, and is currently studying to become a licensed Trustee in Bankruptcy.

David is active in the community and a devoted husband and father of two boys. He has been active with the UVIC School of Business Alumni for the past six years and coaches youth soccer with the Prospect Lake Soccer Club. He also enjoys mountain biking, camping and almost any other activity that can be done on the water or the outdoors of BC.

If you have concerns about money and need help
call me for a FREE CONFIDENTIAL CONSULTATION.

Amanda Belfry: Debt Counsellor.

Phone:250-999-2781

Email |

Amanda Belfry has been with SmytheRatcliffe Insolvency for more than nine years and loves knowing her work is making a positive difference in people’s lives. As an Insolvency Technician in the Victoria office, Amanda gets hands-on experience, helping people work through their financial difficulties.

When she is not working, Amanda is busy with her daughter. Amanda is a native of Saskatchewan and loves living on the Island.

If you have concerns about money and need help
call me for a FREE CONFIDENTIAL CONSULTATION.

Melissa Olson: Debt Counsellor.

Phone:250-999-2781

Email |

Melissa Olson works as an Insolvency Technician in the Victoria office. An amateur photographer, Melissa is part of the Victoria Grid Project, capturing Victoria on camera, one kilometer at a time.

Melissa loves living on the Island and being surrounded by the ocean.

If you have concerns about money and need help
call me for a FREE CONFIDENTIAL CONSULTATION.

You'll find our Victoria 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 Victoria 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 Victoria bankruptcy trustees:

Although you need a bankruptcy trustee to go bankrupt, bankruptcy is not the only thing bankruptcy trustees can help you with. Our Victoria 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 Victoria 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 provide a full range of financial solutions. Furthermore, bankruptcy trustees are the only debt professionals who can guarantee that you will get protection from your creditors.

Our Victoria bankruptcy trustees are 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.

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 start you 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.