Personal Bankruptcy Protection in Edmonton & Central/Northern Alberta

Bankruptcy Protection may seem scary and embarrassing to those who are facing deep financial pressures to repay unresolved debts. At A.C. Waring & Associates Inc., we can help you unravel your situation, examine alternatives, point out available options and advise you of your possible solutions. Should Bankruptcy Protection be the best solution for you, here are some frequently asked questions and answers.

If I Choose Bankruptcy, Will I Get Rid of All of My Debts?

There are some debts that you are responsible for despite bankruptcy, including, but not limited to, secured debt (only if the asset is kept), child and spousal support payments and arrears, student loans less than 7 years from the last day of attendance, court ordered fines, and debts from fraudulent activities.

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Can A.C. Waring & Associates Inc. Get Immediate Financial Relief for Me?

The first step in obtaining assistance is to make contact. As professionals in the field, we can provide you the best source of information about your options. We handle debt stress situations daily. Each case is evaluated on an individual basis whether this is for debt repayment planning, credit counselling, discussions about orderly payment of debt, consumer or business proposals, or about bankruptcy protection. Once the problem has been determined, we can assess your options and discuss applicable solutions. Call for an appointment or drop in and see us. Visit us at First Edmonton Place in downtown Edmonton, Monday to Friday between 8:30 AM – 5:00 PM or call us anytime for a free consultation.  After hours, please leave your message.

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What if I Can’t Come to Your Office?

A.C. Waring & Associates Inc. offers a free consultation, whether over the phone or in person. You can call us at 1‑800‑463‑3328 from anywhere in Alberta or 780‑424‑9944 within the Edmonton Region. We understand that taking a step in contacting us may be very difficult to do. We are here to help and will advise you to the best of our ability. If you cannot visit us due to hospitalization, hospice or long‑term care, incarceration or other unique circumstances, we may certainly endeavor to arrange personal consultations at your site.

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How Do I Know If I Need to Consider Bankruptcy?

You need sound financial advice if you are overwhelmed and stressed about your personal or business financial situation. Are you unable to pay what you owe, living off of loans, credit cards or personal lines of credit, while your debt continues to increase? Are you incurring or worried about wage garnishees, payment demands, and foreclosure or utility cutoffs due to unpaid bills? These are all present or potential stressors that may demonstrate financial danger signals in your life.

Regardless of how the debt was incurred, the reality is, you cannot repay the spiraling debt load.

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How Do I Know I’m at a Personal Breaking Point?

Are you overwhelmed, embarrassed, stressed out, frequently angry or feeling down about your debt? Are you experiencing:

  • Difficulty sleeping, anxiety, poor eating habits, or depression?
  • Anger and/or anxiety over not knowing what to do or who to ask for the ‘right’ advice?
  • Fear of “losing” it all, “hiding” debts, or avoiding others?
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