Credit Relief & Debt Solutions in Vancouver

When it comes to dealing with debt, there are many solutions available. At Crowe MacKay & Company, we offer a range of credit relief services and debt solutions for clients in Vancouver and the surrounding area. Bankruptcy is not your only option, so please call us or fill out our Debtor Application Form to learn what the best course of action is for you.


For most people, bankruptcy should be treated as a last resort. If you’ve declared bankruptcy before, you should especially try to avoid going bankrupt again. The consequences can include:

  • Serious harm to your credit
  • Loss of your professional accreditation
  • Loss of some of your assets

Although bankruptcy should be avoided if possible, in some situations it is impossible to reach an agreement with creditors. In these cases, bankruptcy may be the best option.


A proposal is an agreement between you and your creditors allowing you to discharge your debts by paying more than your creditors would receive if you went bankrupt but less than what you currently owe. Your proposal must be filed by a Licensed Insolvency Trustee. After filing, your creditors will vote on whether to accept your proposal. There are 2 types of proposal available to you: Consumer Proposals and Ordinary Proposals.

Credit Counselling

Financial difficulties can be stressful and embarrassing. If you are in a substantial amount of debt, it may be helpful to speak to a credit counsellor. The Credit Counselling Society is a non-for-profit organization that provides credit counselling services. Visit their website for more information or call 1-888-527-8999 for assistance.

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