Call For a FREE Consultation 1 (877) 332-8416

Debt Relief Services In The Greater Toronto Area

Why Rusinek & Associates Inc?  Here's what you should know before deciding to meet with anyone else

  1. Unlike other firms – especially larger firms—we do not act as agent for the banks. We haven't acted in this capacity in almost 20 years. We ensure that your rights are protected.
  2. You won't pay less anywhere else for trustee fees or administrator fees. In fact, many other firms charge an unnecessary administrative fee. We have never done that and we never will. You may not even be told by others that you are paying an unnecessary fee. We think this is unacceptable.
  3. We're local. We are right here—close by. We are at-the-ready to meet in person on short notice if you have any urgent issues. Other firms may have their head office in London or Ottawa or elsewhere. Not entirely convenient if you want to meet at their head office!
  4. We're experienced. We've been in business since 1991. We've helped thousands of people—just like you—to get relief from creditors and to get a fresh start.
  5. We are large enough to tackle the most difficult problems, but small enough to ensure personalized service. We are not a large, cold, intimidating corporate office that considers you as just “a number”. We listen. We are caring, compassionate, and friendly. We understand that most financial problems arise due to unfortunate setbacks such as illness, disability, job loss, marital strain etc.
  6. We are here to help, and not judge.
  7. We provide an unconditional satisfaction guarantee – if you are not 100% satisfied with the initial consultation for whatever reason, you will never get a bill from us.

When you are looking for ways to become debt-free in Toronto or surrounding regions, our licenced debt experts are here to help. Rusinek & Associates Inc will come to your rescue.

When you first meet with us, we will go over your financial situation to determine which debt relief plan will provide the quickest and easiest solution to be debt free.

During this meeting, we will explore all options so that you can decide which plan is best for you.

We can answer any questions you may have. We've been doing this since 1991 and we understand that you'll need guidance in order to understand the rules involved in eliminating debt. For example, did you know that some firms charge excessive and unnecessary administrative fees? You will learn that you will save with us!

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No matter what decision you make, we are confident that we can help you get debt free and, at the same time, hold on to important assets such as your house or car.

We can stop the taxman and garnishments too!

When you come to us, you will have a knowledgeable and friendly professional on your side who wil bring a halt to collection calls and threatening letters from your creditors.


TOLL FREE 1 (877) 332-8416


Our expert professionals can steer you in the right direction toward financial health and wealth.


Settle your debts and keep your assets without bankruptcy!

Do you qualify for immediate debt-relief? The answer is YES if any of the following describes your situation:  

  • Making only minimum payment (or no payment) on credit cards or credit lines or other loans
  • Total debt load has remained the same or has increased over the last 6-12 months
  • Using 'cash-stores' or cash-advances
  • Job loss, separation or divorce, health issues-disability, addiction
  • Tax debt and / or unfiled self-employment earnings
  • Creditors are suing or commencing garnishment of earnings


Flexible Hours & Flexible Payments

Confidential request for information - your personal information will not be shared or published!  (you don't even have to give your name)

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Our Main Office Location:

2401 Eglinton Ave E Unit 208
Scarborough, ON M1K 2M5

TOLL FREE 1 (877) 332-8416

Additional Locations:

  • Toronto at 1920 Weston Road, Unit 215
  • Mississauga at 92 Lakeshore Road E, Unit 224
  • Brampton at 180 Queen Street W, Unit 101
  • Oshawa at 172 King Street E, Unit 100


English, Polish, Hungarian, Korean, Hakka, Chinese, Nepali, Hindi, Bengali.


  • Flexible appointments - evening and weekend hours
  • Same-day appointments
  • Flexible payment options
  • Electronic filing - Immediate Relief and Immediate halt to garnishments


Peel, Halton, Durham, York. Toronto, North York, Scarbrough, Brampton, Bramalea, Mississauga, Port Credit, Streetsville, Oakville, Burlington, Milton, Oshawa, Pickering, Vaughan, Newmarket, Etobicoke, Hamilton