MONEY PROBLEMS?
NEED RELIEF FROM DEBT?
WE CAN HELP!
FOR A FREE INITIAL CONSULTATION CALL ONE OF OUR OFFICES TODAY.
Janes & Noseworthy is Newfoundland & Labrador's largest group of personal debt experts. We are a Newfoundland firm specializing in personal debt solutions for consumers. Our services are provided throughout Newfoundland and Labrador from offices in St. John's, Corner Brook, Grand Falls-Windsor and Marystown.
GET A FRESH FINANCIAL START AND BUILD A SECURE FINANCIAL FUTURE.
We are available to assist you - call today to learn your options, some of which may be:
- a Consumer Proposal governed by the Bankruptcy and Insolvency Act
- arrangement with creditors
- debt consolidation loans or refinancing
- personal bankruptcy
Click here for more information on your options.
Janes & Noseworthy Limited is associated with Noseworthy Chapman Chartered Accountants and is a member of DFK Canada, an association of accounting and consulting firms.
Our Trustees are licensed and experienced professionals who provide options to best solve your financial problem. The initial interview, either by telephone or at one of our offices, is free.
During the initial consultation we assess your financial circumstances and review with you the solutions best suited to your situation. The consultation is free and confidential.
WE'LL ASSIST YOU IN GETTING BACK ON TRACK AND IN FINANCIAL CONTROL.
If personal bankruptcy is the option necessary to resolve your problems you are permitted to keep certain items that you own.
In Newfoundland and Labrador the Bankruptcy Exemptions are:
- Food required by debtor and dependants during the next 12 months;
- Registered Retirement Savings Plans (RRSP) and Registered Pension Plans (RPP);
- Medical and dental aids required by debtor and dependants;
- Domesticated animals which are kept as pets and not used for business purpose;
- Fuel or heating as a necessity for the debtor and his or her dependants;
- Clothing of the debtor and his or her dependants, of a value totaling $4,000;
- Appliances and household furnishings (which are defined as washing machine, clothes dryer, "reasonably necessary" bedroom suites and bedding, oven and stove top burners, "necessary" dishes and kitchen utensils, and "necessary" strollers, cribs and highchairs), of a value totaling $4,000;
- Motor vehicle of the debtor, value totaling $2,000;
- Items of a sentimental value to the debtor, a value totaling $500;
- The debtor's equity in his or her principal residence, $10,000;
- Personal property used by and necessary for debtor to earn income from occupation, trade, business or calling, $10,000.
Personal Bankruptcy or a Consumer Proposal will put an end to:
- Creditors Calls and Collection Notices;
- Revenue Canada tax collections;
- Wage attachments;
- Asset seizures.
Some of the information contained in this web site is general in nature and may not be applicable to you specific situation. To determine how any of this information applies to your specific circumstances please call to arrange your free initial consultation.
In addition to providing advice specific to you, we will inform you what, if any effect the solution you choose to solve your financial problem will have on others, such as:
Your Spouse
A co-signer / Co Borrower
Employer
Family members
In most instances people who proceed to personal bankruptcy or make a proposal to their creditors are good hardworking people who do so as a result of a significant life event such as: marriage break down or divorce, illness, death of a loved one, job loss or business failure. Some money problems result simply from overextension of credit as a result of the lack of budgeting or money management skills.
Our bankruptcy laws are in place to permit an honest but overburdened debtor to obtain a discharge from his or her debts. By following the advice of the debt professionals at Janes & Noseworthy, you can rebuild your credit rating within a relative short time after discharge.
Approximately 2000 individuals file for personal bankruptcy in Newfoundland & Labrador each year. Since 1985 Janes & Noseworthy has helped over 15,000 Newfoundlanders get peace of mind and a fresh start through bankruptcy. Our debt professionals have also helped thousands of others who were able to find solutions other than bankruptcy after obtaining one of our free confidential consultations.When you are ready for a FREE, confidential consultation please call us at:
709- 364-8148; Toll Free: 1-800-563-9779
If you are not a resident of Newfoundland & Labrador, you may wish to obtain further information at general websites such as CanadaBankruptcy.ca or you may obtain assistance from one of the following.
Canada Bankruptcy Trustees
Alberta
| Alger & Associates Inc. 8 Alberta locations www.alger.ca - Alberta Bankruptcy Trustee |
British Columbia
|
G. Slocombe & Associates Inc. Sands & Associates C. E. Craig & Associates |
Saskatchewan
|
Pinder Bueckert & Associates Inc. Saskatoon www.bankruptcysask.ca - Saskatchewan Bankruptcy Trustee |
Manitoba
|
L.C. Taylor & Co. Ltd. 2 Manitoba locations www.lctaylor.net - Manitoba Bankruptcy Trustee |
Ontario
|
A. Farber & Partners Inc. 17 Ontario locations www.afarber.com - Ontario Bankruptcy Trustee |
Newfoundland & Labrador
|
Janes Noseworthy 4 NL locations http://newfoundland.bankruptcycanada.com - Newfoundland & Labrador Bankruptcy Trustee |
Nova Scotia
| Green Hunt Wedlake Inc. 2 Nova Scotia locations www.wedlakeinc.com - Nova Scotia Bankruptcy Trustee |
New Brunswick
| Allan Marshall & Associates Inc. 4 NL locations www.wecanhelp.ca - New Brunswick Bankruptcy Trustee |
We are proud sponsors of Canada Bankruptcy - www.canadabankruptcy.ca
