Fill Out Our Form
Complete our quick, confidential form and we'll contact you to schedule a free consultation at a time that works for you.
Serving Niagara Falls, Ontario
Consumer Proposal & Bankruptcy Services in Niagara Falls, Ontario
Struggling with debt in Niagara Falls? 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 Niagara Falls
A tourism-driven, seasonal economy means many Niagara Falls households face uneven income and lean on credit in the off-season. Litvack Group helps local residents turn debt into a fixed monthly payment.
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 Niagara Falls residents choose us
- Licensed Insolvency Trustee - federally regulated
- Free, confidential, no-obligation consultation
- Serving Niagara Falls and Niagara 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 Niagara Falls.
About the Community
About Niagara Falls, Ontario
Niagara Falls is one of the world's premier tourist destinations, drawing millions each year to its iconic waterfalls, casinos and Clifton Hill attractions. Tourism and hospitality dominate an economy set against a dramatic natural backdrop.
Litvack Group is proud to help Niagara Falls residents understand their options and find a practical path toward financial freedom.
A Smart Alternative to Bankruptcy
Consumer Proposals in Niagara Falls
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.”
David ArdjevanidzeG★★★★★
I had spoken with several different LITs before finding Ramy, and I’m very glad I took the time to compare my options. From the beginning, Ramy was professional, knowledgeable, and took the time to explain everything clearly and answer all of my questions. What really stood out to me was the proposal Ramy was able to put together. I had received proposals from other LITs, but the terms and overall outcome were not nearly as good as what Ramy was able to offer. He made a stressful situation much easier to deal with and gave me confidence that I was making the right decision. I really appreciate his honesty, communication, and the amount of help he provided throughout the process. If you’re considering a consumer proposal, I would definitely recommend speaking with Ramy and comparing your options before making a decision. I’m very happy I did
Posted on Google
Sonia AlbuquerqueG★★★★
My experience with Litvack Group was great! They are very professionals, attentive, respectful, and explained to me step by step all the process of what I have decided to do regarding my debts. They are legit and very responsible on providing the right advice to me. Also, they were straight forward on their answers and let me know exactly what I was looking for to solve my debt issues. I would recommend this company to anyone who is in doubt about which way to go regarding their debts.
Posted on Google
Bozena KristofovaG★★★★★
I had a great experience working with Ramy throughout my consumer proposal. Ramy was very professional, understanding, and patient, and explained everything to me clearly from the beginning. I felt supported throughout the entire process and never felt judged about my financial situation. Ramy made what was a very stressful and overwhelming situation much easier to understand and handle. Ramy was always available to answer my questions and guided me through each step with kindness and professionalism. I’m very grateful for all Ramy’s help and would definitely recommend Ramy to anyone considering a consumer proposal and looking for someone trustworthy, knowledgeable, and supportive.
Posted on Google
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
Nicole BoulardG★★★★★
The Litvack team were completely professional and patient with me during the entire process. The approach by the team made the application seamless. I thank you for your understanding throughout the process
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 Niagara Falls & Niagara Region
Common Questions
Frequently Asked Questions
Quick answers to what Niagara Falls 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 Niagara Falls and Niagara Region virtually. Your free consultation can be completed by phone or secure video. Our only physical office is in Vaughan.