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

Consumer Proposals In The Greater Toronto Area

Settle your debts and keep your assets without bankruptcy!

If your goal is to avoid bankruptcy, a consumer proposal could be best for your situation. Find out more about this option when you come to Rusinek & Associates Inc.

We can arrange a fresh start plan: no-interest and low-payment agreement with your creditors to help to build your credit rating, keep your valuable assets--like a house, car or investments-- while taking care of your financial responsibilities.

This usually means your creditors get paid a small portion of what you owe. So, if your total debt has become overwhelming for you, look into this option to be debt-free without bankruptcy!

When we negotiate with your creditors on your behalf, you can expect to pay a single monthly sum, with no interest or extra fees tacked on. You will simply be paying the agreed upon amount, which will be much less than what you currently are required to pay.

If this sounds appealing, we encourage you to schedule an appointment with our licenced debt experts. We are willing to answer any questions you have.

Take advantage of our flexible schedule.


Debt-freedom is closer than you think...It is just a few steps away.

Here are the simple steps to becoming debt-free:

  1. Contact us using the online form, or email, or via the old-fashioned way (phone).
  2. We will arrange for you to meet for free with one of our friendly,caring debt-professionals.
  3. You may need to bring a list of your creditors and proof of income to the initial meeting. We will advise you what else may be necessary.
  4. The meeting takes approximately 30 minutes to 1 hour and is private. Our friendly staff know that most problems arise due to unfortunate setbacks. We are here to help and not judge.
  5. We will explain all options in detail so that you are 100% comfortable that relief is in sight.
  6. We unconditionally guarantee that if you are not satisfied with the meeting, you will NEVER receive a bill for the consultation. We are confident that you will see that you are in good hands.
  7. If you decide to proceed with us, we will prepare the necessary paperwork for you to sign.
  8. We know that time is of the essence to stop collection calls, garnishments and to get your life back in order as soon as possible, so we use electronic filing of your papers for immediate relief.
  9. We will provide a complete package of materials that we will review with you to ensure that your file proceeds smoothly. We will handle your creditors from here on in. No more stress!
  10. You will have at least two more meetings with our office during the administration of your file. But we are always just a phone call away.


TOLL FREE 1 (877) 332-8416

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


Reduce debt by up to 70% or more


Keep assets – house, car, boat, ATV, snowmobile, investments, RESPs


No requirement for you to pay an administrative fee



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