Bankruptcy and Consumer Proposal Consultations

Initial consultations are always free, confidential and have no obligation.


What to bring



Creditor information

Provide a complete list of your creditors. Recent bills or statements are preferred. If you do not have recent bills or statements, then a list of creditors with approximate balances will do.

It is crucial that you provide us with a complete listing of all of your creditors and exact or approximate balances owing. We do not have the ability to find out who you owe.

Bring in actual Credit Cards

Asset information

Provide a complete list of all your assets with statements if possible.

This includes: 

  • Stocks
  • Bonds . RRSP
  • Real estate property
  • Life insurance Policy, if applicable

Income documentation

A copy of your most recent paystub and your spouse’s if married, common-law or a printout of a recent bank statement showing your regular monthly income.


Provide legal identification such as:

  • Canadian birth certificate
  • Driver’s Licence
  • Canadian citizenship card

What to expect

The consultation allows you to review your personal debt problems and understand the following debt settlement options:

  • credit counselling
  • consumer proposals
  • bankruptcy

We will outline the advantages and disadvantages of each option in order for you to make an informed decision.

NEED HELP! CALL US NOW AT 519-753-7361.


What Our Clients Say?

While I knew I’d made the right decision and entrusted my bankruptcy to the right people, what I did not anticipate was the level of support and compassion I would receive and how empowered I would feel through taking charge of my personal finances.

B.N., Brantford July 28, 2017

I am so impressed with the support and customer service from the team at J.P. Graci and Associates. Thank you for the wonderful service!

Sam R. May 15, 2017

I just wanted to express my own and my family’s gratitude for everything you did to help us out

N.N. October 11, 2015


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