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Bankruptcy Trustee Kitchener

Bankruptcy Trustee Kitchener – Access Mortgage

Have you been to seen a bankruptcy trustee in Kitchener only to be told that filing bankruptcy, credit counselling, or consumer proposal are your only options for debt relief? Access Mortgage is here to tell you, DO NOT LISTEN TO THIS! If you are considering filing for bankruptcy or credit counselling, we want to speak with you first. There may be other options for debt relief that will not destroy your credit and Access Mortgage will set the record straight. Typically, a bankruptcy trustee in Kitchener or a credit counsellor will push these options because usually they are only paid when you do file for bankruptcy, consumer proposal, or credit counselling. Along with this, a bankruptcy trustee may not tell their customers that filing for bankruptcy will severely cripple your credit for approximately 7 years. Don’t destroy your credit by filing for bankruptcy, credit counselling, or consumer proposal, Schedule your appointment with a professional at Access Mortgage today!

What is a bankruptcy trustee in Kitchener?

Quite simply, a bankruptcy trustee is a professional who is licensed by the Government of Canada to administer your bankruptcy or consumer proposal. Only a licensed trustee in bankruptcy or licensed insolvency trustee can file a bankruptcy or proposal for you. You file for bankruptcy with the assistance of a trustee, who is then assigned to administer your bankruptcy under the Bankruptcy and Insolvency Act and manage assets held in trust.

Benefits of debt consolidation at Access Mortgage as opposed to bankruptcy or consumer proposal:

  • Low monthly payments:  If you can convert high interest credit card debt into a new loan with a lower overall interest rate you will be able to save on interest and lower your monthly payment. Another option is to extend your repayment term to reduce your monthly payment however be aware this will keep you in debt longer.
  • Save on interest costs:  Consolidating high interest credit card debt into a bank loan or second mortgage which carries a lower interest rate can save you interest over the long term. How much you save will depend upon how fast you pay off your new loan.
  • One easy monthly payment:  One of the biggest advantages of consolidating your debt is that you will now only have one simple monthly payment to make, rather than multiple payments. This can make it easier to stay on top of your debt repayment.
  • The most important benefit of them all DOES NOT DESTROY YOUR CREDIT. In fact, it immediately improves your credit because (i) the repayment of any bad debts registers on the bureau, and (ii) high balances brought below 80% of their limits also significantly improves your credit. 35% of your credit score is made up of how much of your credit limits you have utilized.

For more information about a bankruptcy trustee in Kitchener and why you should avoid filing for bankruptcy, consumer proposal, or credit counselling at all costs, please feel free to continue browsing through our Access Mortgage Canada website. Debt consolidation and refinance are strategies for debt relief that will not cripple your credit, and we can get you set on the right path for debt relief. We can be reached at 1-844-397-3780 or by filling out our contact form.

WHAT PEOPLE ARE SAYING…

  • “Rent-to-own made possible”
    We would like to thank Matthew and his team. We put a lot of money down on a Rent to Own property that we were renting, but we could not get anyone to help us out till we found Mathew. He made it happen and closed on time when know no one else could. From all of us here THANK YOU! We now own our own house!

    C.T., HAMILTON, ON
  • “Best Mortgage Team I've worked with”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in YOUR favor. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    M.Z. BRANTFORD, ON
  • “No hesitation recommending”
    Matthew’s knowledge, experience and above and beyond work ethic sets an exemplary standard of professionalism and accountability. His integrity and drive is second to none… He truly is a miracle worker!! I have no hesitation in recommending his services to anyone seeking expert assistance. I’m beyond grateful and blessed!!

    M.D., BINBROOK, ON
  • “A tough deal that others could not do!”
    Access mortgage did a great job in getting us a mortgage. It was a tough deal and they were able to get it done when others couldn’t. I would not hesitate to use them again.

    BEA - CAMBRIDGE, ON
  • “Seamless from beginning to end!”
    I just want to say 'thank you' to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now it has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    JULIE - HAMILTON, ON
  • “From full of stress to stress-free”
    I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Access Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.

    M.D., MISSISSAUGA, ON
  • “Patient with deep understanding”
    Thank you for all the help that you gave me, most patiently and with deep understanding. I was very comfortable asking you everything and anything. Your team did great job in making me understand the financial side. I have learnt a lot. Thanks to Matthew for taking time to come to my place. He not only did his work, but for a short time, took me back to most nostalgic memories of my life, before I came to Canada. I am also grateful to the lawyer for coming to my place to meet with me, and quickly closing the mortgage and releasing the funds.

    S.S., MISSISSAUGA, ON
  • “Got creditors off our back”
    I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off our back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.

    K.K.P., HAMILTON, ON
  • “Best mortgage team I’ve worked with!”
    Matthew and his team are the best mortgage team I have ever worked with. They are extremely hard working and bend over backwards to get the job done no matter how complicated or difficult. If there is a way – they will find it. And it will be in your favour. Matthew goes out of his way to set you on a path of success. This is our second mortgage process we have gone through with Matthew, and we are in a better position now than we were the 1st time – all due to Matthews efforts and guidance. After following his recommendations and guidance over the next year we will use Matthew again for our next mortgage and be in an even better position then. If you need a mortgage done, no matter how complicated, call Matthew. He’ll make it happen.

    C.H. - ST. CATHARINES, ON
  • “Extremely Fast!”
    Access Mortgage was extremely fast and explained everything well. We were very happy with their professional service and honesty. I would definitely refer them.

    LISA - BRANTFORD, ON
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