Find out how much of your debt you could walk away from, and what it would really cost you, before you talk to a trustee.
Free chat with Penny. No obligation.
Every option costs you something, whether it's money, your credit or your peace of mind. The trick is knowing which outcome is a fit for you.
Dollar signs show what it costs you, thumbs show what it does to your credit, stars show the stress. This is a general guide: every file is different, and Penny works out yours.
Thirty percent? Seventy? That one number decides whether filing is worth it.
Sometimes the honest answer is that it isn't. Once you add up the fees, the payments and the hit to your credit, filing can cost more than it saves. You should know that before you sign anything.
Everyone else at the table already has one.
Trustees are paid a set fee plus 20% of everything that goes to your creditors. A bigger payment means a bigger fee.
Their best case is you paying in full, with interest, without ever learning what your options were.
Some consultants charge thousands and suggest they'll handle the trustee for you. They can't. You sign and you answer the questions, so we make sure you're ready.
Free, for as long as you need. She answers your questions and shows you what each option costs.
Your file is reviewed and you get a full report, including exactly what to say to the trustee.
One flat fee. No GST. Your review starts once your payment arrives.
Google reviews from our founder's earlier practice.
"He offered great advice with absolutely no sense of blame on my part or making me feel uncomfortable because of the situation we are in."
"I would recommend him to anyone who wants advice … this is NOT a waste of time, this is well worth it."
"After 1 phone call my Anxiety Went from 100 to 0 and i can move forward with my life."
"He asked on a regular bases if I understood what he was talking about. When I didn't he clear and slowly went over the information in more laymen terms."
"Excellent customer service. … Highly recommended"
"Did a great job!"
Start a free chat with Penny and see what every option would cost you.
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