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St. Thomas





  • Bankruptcy trustee
  • Consumer proposal administrator
  • Credit counselling & debt help
  • Servicing London, Kitchener / Waterloo, St. Thomas, Chatham, Windsor
Feeling overwhelmed about your financial future and want a fresh start? You are not alone in your battle with debt and it doesn’t have to ruin your life. No need to feel uneasy about sharing your story with us. We understand that credit card debt, mortgages and loans, or changes in family situation and employment can all lead to financial challenges.

At Adamson & Associates we care about the people in our communities and we are passionate about finding you a solution to your unique financial situation.Throughout our 20 years working to resolve debt issues through credit counselling, consumer proposals and bankruptcy in Ontario, we have had the privilege of helping thousands. Let us help you and discuss your options for a fresh start!

Having a debt problem can be scary, but getting the wrong advice about how to solve it, can be even scarier!

Having a financial problem can be very stressful, and for many people, there is a feeling of failure and embarrassment. It is these reasons that people don't talk about their financial problems. The matter gets even more complicated because many accountants, lawyers and advisors are not aware of what options exist for people with money problems. Few people truly understand what bankruptcy is, or what services a trustee in bankruptcy can provide.

At Adamson & Associates Inc., we have built a solid reputation as an Ontario trustee in bankruptcy and consumer proposal administrator. We provide our clients with the best in professional bankruptcy and insolvency services. We understand that bankruptcy can be a troubling and confusing time for most people, so we strive to provide our clients with information every step of the way to reduce their stress levels and anxiety about the future. With many years dealing with bankruptcy cases in Ontario, we have had the privilege of helping many people through this tough ordeal. If you are having financial problems and are considering bankruptcy, please call us for help.

The reality is that people are scared by the word "bankruptcy", and because of that, people are reluctant to call a trustee in bankruptcy to seek help. However, if you look back in time to, say the seventies, the word divorce was also a horrible word. Sure divorce may not be pretty, but it is accepted and is talked about today. It also happens to be a major cause of personal bankruptcy. That being said, people don't talk about their bankruptcy, but they sure do talk about their divorce!

Most people will do almost anything to avoid bankruptcy. They sometimes turn to family, friends, or acquaintances with no qualifications or expertise, for advice on what to do about their debt problem. Confiding in family and friends about your money problems is perfectly fine, but for reliable advice that you can trust, it is important to speak with a professional like an Ontario Licensed Insolvency Trustee or a Chartered Insolvency and Restructuring Practitioner (CIRP).

Sometimes people, when attempting to avoid bankruptcy, inadvertently worsen their financial situation by taking on high interest rate loans in the hopes of paying off current debts with a consolidation loan or an additional new loan. More often than not, this proves to be only a short-term solution, and only replaces one debt with another, often at a higher interest rate. Should you find yourself in over your head financially, your best bet is to consult with an experienced Chartered Insolvency and Restructuring Practitioner who can advise you of your best course of action and help prepare a detailed plan that can be followed to work your way out of debt.

No one should feel embarrassed or ashamed to file for bankruptcy. Financial problems are not always caused by reckless overspending and carelessness. Sometime people find themselves in dire straits financially through no fault of their own. Unplanned and unavoidable events, like a major illness or serious accident, divorce, or losing one's job, can have a significant impact on your ability to pay your bills and stay out of debt. Even though bankruptcy is a dreaded word to some people, it can be a useful tool for solving money problems. Filing for bankruptcy is a proven way to get out of debt and make a fresh financial start. The process begins by talking to a licensed insolvency trustee.

Dealing with creditors and collection agencies is never pleasant. In addition to the money you owe, accumulating interest and collection fees can make it virtually impossible for you to ever get out of debt and make the collection calls stop. If you are being harassed by creditor and feel overwhelmed by debt, please give us a call. As Licensed Insolvency Trustees we can help show you how filing for bankruptcy can be the solution to your money problems. As Ontario bankruptcy trustees, Adamson and Associates will manage your bankruptcy filing from start to finish, including the distribution of assets to all receivable parties. When you file for bankruptcy in Ontario, it puts an end to those frustrating collection calls.

People in serious financial trouble have several options for debt restructuring in Ontario. Knowing which one would work best for your own financial situation may not be readily apparent. There are many things to first consider before deciding on a course of action. While there are other ways to resolve your debts, the most popular debt management options in Ontario are personal bankruptcy and consumer proposals. There are pros and cons to both these debt reduction strategies. A Licensed Insolvency Trustee can help you decide which is the better choice for you. With many years of experience in the financial service industry, Ontario Licensed Insolvency Trustee John Adamson and his team of Registered Insolvency Counsellors have a thorough understanding of all available debt management strategies. We approach each client's case by first reviewing from every angle his/her unique personal situation, to determine the best debt resolution option.

A consumer proposal is an agreement made between you and your creditors to repay only a portion of your unsecured debt with the outstanding balance forgiven. Only a Licensed Insolvency Trustee can legally negotiate a consumer proposal on your behalf. A consumer proposal is a legal binding agreement that reduces your outstanding debt and provides protection from credit collectors. It is an alternative to bankruptcy that does not put your home and assets at risk, and may have less of an adverse effect on your credit score may be than bankruptcy. If you qualify, a consumer proposal should only be consider if you have a reasonable expectation that you will be able repay your reduced debt within the 5-year time period allowed. If you miss three payments, the proposal defaults. Creditor will immediately start collection proceedings and perhaps even legal action. You will not be allowed to file again.

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