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Serving Kitchener, Ontario
Consumer Proposal & Bankruptcy Services in Kitchener, Ontario
Struggling with debt in Kitchener? A Licensed Insolvency Trustee can stop wage garnishment and collection calls immediately, and reduce what you owe by up to 80% - with one affordable monthly payment.
What You Could SaveSample illustration
Total debt owed$40,000
Reduced by up to 80%-$32,000
You repay from~$12,000
Interest-free, over up to 5 years, in one fixed monthly payment.
0% interest
Reduce debts up to 80%
One monthly payment
Keep your assets
Reduce Your Debts by up to 80%
One Affordable Monthly Payment for All Your Debts
A consumer proposal rolls what you owe into a single, interest-free monthly payment -
often for a fraction of the total balance.
Debts Included Unsecured
- Credit cards
- Payday loans
- Lines of credit
- Tax debts
- Student loans
- Collections
- Garnishments
- Overdue bills
We Can Help Your Relief
- 0% interest
- Reduce debts up to 80%
- One monthly payment
- Stop collection calls
- Keep your assets
- Stop lawsuits
Find out if you qualify - free assessment
Answer a few quick questions and see how much of your debt could be reduced.
Choose the Right Licensed Insolvency Trustee
Debt Relief You Can Trust in Kitchener
A fast-changing job market and rising rents in Kitchener leave many households stretched between paycheques. Litvack Group helps Kitchener residents consolidate debt into one fixed monthly payment with zero interest.
We take the time to explain every option clearly and answer your questions. With our expertise, we will help you take control of your finances and move closer to a debt-free life.
Why Kitchener residents choose us
- Licensed Insolvency Trustee - federally regulated
- Free, confidential, no-obligation consultation
- Serving Kitchener and Waterloo Region
- $0 upfront fees - paid from your monthly plan
- 5.0 Google rating
Virtual consultations are available by phone or secure video. There is no local walk-in office in Kitchener.
About the Community
About Kitchener, Ontario
Kitchener, the largest city in Waterloo Region, has transformed from its manufacturing roots into a thriving technology and innovation centre, anchored by a revitalized downtown and the Grand River watershed. It pairs urban energy with a strong sense of community.
Litvack Group is proud to help Kitchener residents understand their options and find a practical path toward financial freedom.
A Smart Alternative to Bankruptcy
Consumer Proposals in Kitchener
Consumer proposals are a great alternative to bankruptcy. You keep your assets and make one fixed monthly payment toward your debts. Our team negotiates directly with your creditors and builds a manageable plan around what you can actually afford.
Once your proposal begins, you make a single monthly payment for a term of up to five years - interest-free. Our experienced team guides you through every step and gets you closer to a debt-free life.
Simple & Confidential
How to Get Started
Three easy steps to take control of your finances - starting today.
Free Consultation
We review your full financial situation together and explore every option available to you - with no pressure and no obligation.
Get Started
If you decide to proceed, we guide you through every step and handle the paperwork so you can move forward with confidence.
Google Reviews
What Our Clients Are Saying
Real reviews from real people we've helped across Ontario.
5.0★★★★★Based on Google Reviews
Licensed Insolvency Trustee
100% Confidential
No Obligation Consultation
GJGhazal Jafarinamin
★★★★★
“I had a great experience with Ramy from the team at Litvack Group. He was very patient and explained everything step by step, which made the process much easier to understand. He was also quick and prompt in answering all my questions. I highly recommend him to anyone dealing with financial…”
BBarbara Reinhardt
★★★★★
“I could not be happier. Ramy at Litvack was an absolute pleasure to work with. He processed everything quickly and efficiently. I was amazed at how soon I was able to conference with the Trustee and have my Proposal completed. I recommend Litvack to anyone needing debt relief. Mine was…”
BBrian Sedore
★★★★★
“I was very pleased with Brad: he was courteous, explained everything quite well, and was very professional 🙂 — a real asset to the company. Bryan was also very knowledgeable and explained everything very clearly. It was a pleasure to interact with them both. Thank you so much, sincerely, Brian Sedore.”
Ghazal JafarinaminG★★★★★
I had a great experience with Ramy drom the team at Litvack Group. He was very patient and explained everything step by step, which made the process much easier to understand. He was also quick and prompt in answering all my questions. I highly recommend him to anyone dealing with financial challenges who needs reliable and professional support.
Posted on Google
Barbara ReinhardtG★★★★★
I could not be happier. Ramy at Litvack was an absolute pleasure to work with. He processed everything quickly and efficiently. I was amazed at how soon I was able to conference with the Trustee and have my Proposal completed. I recommend Litvack to anyone needing debt relief. Mine was caused as a result of medical expenses and being scammed. I can rest a lot easier now. Much thanks to Litvack Group !!’
Posted on Google
Brian SedoreG★★★★★
I was very pleased with Brad he was courteous explaind everything quite well was very professional 😀 a real asset to the company. Bryan was also well knowledgeable and explained everything very clearly. It was a pleasure to have interaction with them both. Thank you so much sincerely Brian Sedore.
Posted on Google
Michelle OuelletteG★★★★★
Hi everyone that reads this ,I have been extremely overwhelmed with the all the support I have received from Litvack Group, they are so patient and understanding everytime I have spoken with them about my financial situation. I am very satisfied with the trustees that I have had the pleasure to speak with and what they have done on my behalf to make my life get back to normal, I can sleep well at night knowing they have taken great care of my financial situation 😊 no more stress in my life thank you so much.God Bless. Sincerely Michelle ☺️
Posted on Google
Lois CaseyG★★★★★
I received a call back in just a couple of hours. I was very stressed and depressed about being able to make my payments since I am on a fixed income. All staff I communicated with were very thorough, patient and understanding of my situation. I am not longer feeling so stressed. Thanks to all the super friendly staff. 😊
Posted on GoogleStop Worrying About Your Debts - Take Action Now
Schedule your free, confidential, no-obligation consultation today.
In 30 minutes, we will have a clear plan to help you move forward.
5.0 Google Rating · $0 Upfront Fees · Serving Kitchener & Waterloo Region
Common Questions
Frequently Asked Questions
Quick answers to what Kitchener residents ask us most.
QHow much does it cost?
In a consumer proposal you make one monthly payment to the Licensed Insolvency Trustee for your creditors. The trustee fees come out of that payment, so there are no extra charges. Fees are set by a government tariff under the Bankruptcy and Insolvency Act and are the same for every trustee in Canada.
QHow much debt can I reduce with a consumer proposal?
Depending on your situation, you can reduce your unsecured debts by up to 80%. Creditors weigh your assets, income, and budget to decide whether to accept. We help you set an amount your creditors are likely to approve.
QWhat's the difference between a consumer proposal and a debt consolidation loan?
A consolidation loan still charges interest, usually at a lower rate. A consumer proposal stops all interest, gives you one fixed monthly payment for up to five years, and can also reduce the total amount you owe.
QHow do I file a consumer proposal?
Start by speaking with a Licensed Insolvency Trustee. We review your finances, determine whether a proposal, bankruptcy, or another option is best, and then walk you through the documents and forms needed to get started.
QDo I have to travel to your office?
No. We serve clients across Kitchener and Waterloo Region virtually. Your free consultation can be completed by phone or secure video. Our only physical office is in Vaughan.