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Litvack Group

Struggling with debt?
You have options.

Talk to a Licensed Insolvency Trustee Free, Confidential Consultation

It starts with one easy step: a free, confidential 30-minute consultation. We'll review your situation, explain every option, and help you find the best path forward — no obligation, no judgment.

Bryan Litvack
Book My Free 30-Minute Consultation →
· No Upfront Fees
· Confidential
· No Obligation
★★★★★4.9from 60+ reviews
Licensed and regulated by the Office of the Superintendent of Bankruptcy Canada
Bryan Litvack
A legal filing can stop most collection activity
One monthly payment for all debts
Significantly reduce unsecured debts
All options explained — no pressure to decide
Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation andwe'll be in touch within one business day.

Free Consultation

Book Your Free 30-Minute Consultation

Tell us a little about your situation and we'll be in
touch within one business day.

Confidential · No obligation · No judgment

What happens after I submit?

1
We call you within one business day — a real person from our team.
2
We book a free, confidential 30-minute consultation at a time that works for you — by phone or in person.
3
You get a clear picture of your options — no obligation, no pressure to decide.
Types of Debt We Can Help

We've Helped Clients With All Types of Debt

Click any debt type to learn more about how we can help.

Credit Card Debt

Stop the interest and reduce what you owe on high-balance cards.

Payday Loans

Break the cycle of fees and rollovers with a manageable plan.

Lines of Credit

Consolidate maxed-out personal or home equity lines into one payment.

Tax Debts

We work with the CRA as a creditor — income tax and HST debt can be included in a consumer proposal.

Student Loans

Federal or provincial student loan debt reviewed for relief options.

Car Loans

Restructure secured and unsecured debts together into one plan.
How We Help

Big-Firm Expertise. Direct, Personal Advice.

Work with a Licensed Insolvency Trustee who takes time to understand your situation — from first call to final payment.
1

One Manageable Monthly Payment

Through a consumer proposal, eligible clients consolidate unsecured debts into one affordable monthly payment, often at a significantly reduced total.
Results depend on your situation
2

Stop Most Collection Activity

A legal filing triggers an automatic stay of proceedings, which stops most collection calls, wage garnishments, and legal action by unsecured creditors.
Legal protection under federal law
3

A Clear Path Forward

Many clients describe the consultation as a turning point — finally understanding their situation clearly and having a realistic plan to move forward.
No-pressure, judgment-free advice
Book My Free Consultation →
Federally Regulated · Confidential · No obligation
Client Examples

Results That Speak for Themselves

Every situation is different -these examples show what's possible.
$50,000 settled for $15,000
Approx. $35,000 reduction in unsecured debt
"Susan's credit card, line of credit, and payday loan balances were settled through a consumer proposal. One call started the process."
SA
Susan A. · Toronto
★★★★★
$174,000 settled for $60,000
Approx. $114,000 reduction including CRA debt
"Chris's tax and credit debts were restructured through a consumer proposal negotiated directly with the CRA and other creditors."
CS
Chris S. · Vaughan
★★★★★
$28,000 settled for $12,000
Approx. $20,000 reduction in unsecured debt
"Emily's credit card and eligible student loan debts were resolved through a proposal, and she rebuilt her credit score within two years."
EC
Emily C. · Mississauga
★★★★★
Example only. Results vary based on income,assets, creditors, and proposal terms.
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
View 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
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 Google
View all reviews on Google →
LICENSED AND REGULATED BY THE OFFICE OF SUPERINTENDENT OF BANKRUPTCY

We explain all your options before you decide

We're advisors, not salespeople. Every path is on the table — we help you choose the right one for your situation.
Often the best fit

Consumer Proposal

Settle unsecured debts for less than the full amount with one fixed monthly payment. Creditor acceptance required. Keep your assets.
Learn More →
Fresh start

Bankruptcy

A legal process that discharges eligible debts and provides a structured path to rebuilding your finances.
Learn More →
Other options

Credit Counselling & Consolidation

Debt consolidation, credit counselling, budgeting support, and informal repayment plans — we explain every avenue.
Learn More →
Book My Free Consultation →
★ 5.0 Google Rating · $0 Upfront Fees · 99% Success Rate
How to Start the Process

Three Simple Steps

Getting started is easier than you think.No judgment, no pressure.
1

Fill Out Our Form

Takes 30 seconds. We'll contact you to schedule your free, confidential consultation.
2

Free Consultation

We review your full financial situation and explore all options available to you.
3

Get Started

If you decide to proceed, we guide you through every step to becoming debt-free.
Book My Free Consultation →
Why wait? Start reducing your debt today.
From Our YouTube Channel

Watch & Learn

Short, plain-language videos explaining your debt-relief options — straight from a Licensed Insolvency Trustee.

How Interest Keeps You Trapped in Debt

▶ YouTube· Debt Talk Canada

Consumer Proposal vs Bankruptcy: Don’t Decide Until You Watch This

▶ YouTube· Debt Talk Canada

Debt Reduced from $50K to $15K | Here’s How

▶ YouTube· Debt Talk Canada
Visit our YouTube channel
Common Questions

Frequently Asked Questions

Straight answers to the questions we hear most often.
Q
What is a consumer proposal?
A legally binding agreement filed under the Bankruptcy and Insolvency Act that lets you settle unsecured debts for less than the full amount, with one fixed monthly payment over up to five years. Only a Licensed Insolvency Trustee can administer one.
Q
Is the consultation really free?
Yes. The initial consultation is free, confidential and carries no obligation. We review your situation and explain every option before you decide anything.
Q
Will filing stop collection calls and wage garnishments?
Yes. Filing triggers an automatic stay of proceedings under federal law, which stops most collection calls, wage garnishments and legal action by unsecured creditors.
Q
What is a Licensed Insolvency Trustee?
A federally regulated professional licensed by the Office of the Superintendent of Bankruptcy — the only professionals in Canada authorized to administer consumer proposals and bankruptcies.
Q
Will a consumer proposal affect my credit?
Yes — it appears on your credit report while active and for up to three years after completion. Most clients find their credit was already affected by high balances, and the proposal provides a fixed end date to begin rebuilding.
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