Licensed Insolvency Trustees in Burlington & Hamilton
Call the trustees with experience for your free consultation.
Consumer Proposal- Debts Less Than $250,000
Learn how consumer proposals can help your finances.
Overwhelmed With Debt? Creditors Calling?
Explore debt consolidation as an alternative to bankruptcy.
Division 1 Proposals- Debts Exceeding $250,000
Learn about submitting a personal proposal to unsecured creditors.
Debt Consolidation & Bankruptcy Trustee in Burlington and Hamilton
Struggling with debt in Burlington, Hamilton, Oakville, Dundas, Ancaster, Brantford, or anywhere in the GTA? Our Licensed Insolvency Trustees help individuals and businesses across Ontario understand every available debt relief option, including consumer proposals, debt consolidation, and bankruptcy.
At Scott, Pichelli & Easter Ltd., we offer confidential, no-obligation consultations so you can speak directly with an experienced trustee, get honest answers to your questions, and receive a clear plan based on Canadian insolvency law. With over 40 years of specialized experience, our bankruptcy trustee law office has helped thousands of clients regain control of their finances.
Our main office is located in Burlington, Ontario, and we proudly serve clients throughout Burlington, Hamilton, Dundas, Ancaster, Brantford, Oakville, and the Greater Toronto Area.
Get Clear, Licensed Help with Debt in Ontario
If you feel overwhelmed by credit cards, lines of credit, tax debt or unpaid loans, you are not alone. A Licensed Insolvency Trustee (LIT) is the only professional in Canada legally authorized to administer consumer proposals and bankruptcies under the Bankruptcy and Insolvency Act.
At Scott, Pichelli & Easter Ltd., our trustees have over 40 years of focused experience helping Ontario residents reduce or eliminate unmanageable debt while protecting assets where possible.
What We Help With
Consumer Proposals (Debts Under $250,000)
A consumer proposal is a legally binding settlement with your unsecured creditors that can reduce the amount you owe and stop collection calls and wage garnishments. You make one affordable monthly payment, usually up to 5 years, while avoiding bankruptcy.
We help you decide if a consumer proposal is right for you, prepare the proposal, file it with the Office of the Superintendent of Bankruptcy, and support you throughout the process.
Personal Bankruptcy
Personal bankruptcy can provide a fresh start when your debts are too high to repay through other options. It stops most legal actions and collections while you complete required duties over a set period.
We explain the consequences, including the impact on your credit rating and assets, and make sure you understand every step before you decide.
Debt Consolidation & Informal Arrangements
Debt consolidation and informal repayment arrangements can sometimes resolve financial problems without a formal insolvency filing. We review your budget and debts and discuss when a consolidation loan or informal settlement could work—and when it may not.
Corporate Insolvency, Restructuring & Receiverships
For businesses under financial pressure, we advise on restructuring options, proposals to creditors and, when needed, formal receivership. Our goal is to preserve viable businesses and jobs wherever possible, while complying with Canadian insolvency law.
Signs You May Need Professional Debt Help
If any of the following apply to you, it may be time to speak with a Licensed Insolvency Trustee:
- Credit cards or lines of credit are constantly at or near their limits
- You are missing or skipping payments on credit cards, loans or your mortgage
- You are using one form of credit to pay another
- Collection agencies are calling or contacting your family
- Your wages are being garnished, or legal action has been started
- You avoid opening bills or checking account balances because of stress
We will review your full financial picture and explain all of your options, not just bankruptcy.
What Should I Do?
The first thing you should do is sit down with a representative of Scott, Pichelli & Easter to discuss your financial situation. There is no charge for your initial consultation. Together we will discuss your various options and choose the direction that is best for your needs.
Alternatives to Consider:
- Debt consolidation loan
- Informal proposal between you and your creditors
- Consumer proposal to creditors under the Bankruptcy and Insolvency Act.
- Bankruptcy
What Financial Services Do You Offer?
Scott, Pichelli & Easter is dedicated to providing a full range of financial services, including consumer proposals, debt consolidation accounting services, as well as personal and corporate bankruptcies for clients facing ongoing financial difficulties. Additionally, we assist with corporate restructuring and receiverships for companies that wish to reorganize and gain financial stability and growth.
What to Expect in Your Free Consultation
Step 1 – Understand Your Situation
We start by reviewing your income, expenses, assets and debts in a confidential meeting, in person or by phone/video.
Step 2 – Review Your Options
We explain the pros and cons of each option—doing nothing, budgeting changes, debt consolidation, consumer proposal and bankruptcy—based on your goals and risk tolerance.
Step 3 – Choose a Plan Together
You decide, with guidance from the trustee, which path fits you best. We answer your questions in clear language, without pressure.
Step 4 – Implement and Support
If you choose a formal option, we prepare and file all required documents, communicate with your creditors and support you until your proceeding is complete.
Why Work with Scott, Pichelli & Easter Ltd.?
- Licensed Insolvency Trustees: Regulated by the Office of the Superintendent of Bankruptcy, we must follow strict professional and advertising standards.
- Local Ontario Experience: We serve Burlington, Hamilton, Oakville, Dundas, Ancaster, Brantford and the greater Toronto area, with deep knowledge of local creditor practices and courts.
- Balanced Advice: We discuss all available options and will not recommend insolvency unless it is appropriate for your situation.
- Clear Education: We take time to explain how each option affects your credit, assets and future financial goals so you can make an informed choice.
Our Experience & Dedication
Our knowledgeable and friendly staff will assist you through each step of the insolvency process. At Scott Pichelli & Easter Limited we take pride in the quality of our work and in the advice we give to our clients. We take the time to answer all your questions and concerns, so that when you leave our office you have the proper information to make a decision that best suits your needs. We are corporate restructuring and receivership specialists; so, whether the matter is personal or on a corporate level, we are the bankruptcy lawyers that can help.
Frequently Asked Questions
A Licensed Insolvency Trustee is a federal professional licensed and regulated by the Office of the Superintendent of Bankruptcy to administer consumer proposals, bankruptcies and other insolvency proceedings. Trustees must meet education and experience standards and follow a strict code of ethics.
The right choice depends on your income, assets, family situation and long‑term goals. A consumer proposal may be better if you can afford a partial repayment and want to avoid bankruptcy, while bankruptcy may be considered if your debts are too high to repay. We will compare both options with you during your consultation.
Both a consumer proposal and a bankruptcy affect your credit rating for a period of time, but the impact is not permanent. Many people begin rebuilding credit during or shortly after their proceeding by following good financial habits.
Once a consumer proposal or bankruptcy is filed, most collection actions and wage garnishments must stop by law, with certain limited exceptions. We will explain how this protection works in your situation.
Your initial consultation is free and there is no obligation to proceed. If you decide to file a consumer proposal or bankruptcy, the costs are set and supervised under federal legislation and are usually built into your monthly payments.
Our main offices are in Burlington, and we serve clients across Burlington, Hamilton, Oakville, Dundas, Ancaster, Brantford and the greater Toronto area. We can meet in person or remotely, subject to regulatory requirements.
Talk to a Licensed Insolvency Trustee Today
If debt is causing stress or affecting your sleep, relationships or health, you do not have to face it alone. Contact Scott, Pichelli & Easter Ltd. today to schedule a confidential, no‑obligation consultation with a Licensed Insolvency Trustee in Ontario.
We will listen, explain your options in plain language and help you take the next step toward a more manageable financial future.