Debt Free®

The Debt Solutions People®

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Trustees Helping Edmonton & Central/Northern Alberta With Debt Solutions:

Credit Counselling, Consumer Proposals, Bankruptcy & Alternatives

Personal & Business Needs

Are your creditors calling? Are your wages being garnished? Are you falling behind on your mortgage and facing foreclosure? Do you need help understanding your options when it comes to debt?

The trustees and credit counselling professionals at A.C. Waring & Associates offer debt resolution knowledge, advice, and guidance to individuals and small businesses throughout Alberta. A.C. Waring & Associates will help you deal with your creditors and insolvency issues. We can also arrange for bankruptcy proceedings, consumer proposals, help with restructuring your debt, and planning an orderly and manageable payment schedule between you and your creditors for better financial footing, income permitting.

Bankruptcy & Insolvency Services

Personal & Business Financial Advice

If you are behind in personal credit card or loan payments or your business has suffered substantial losses that threaten the company’s viability, we can help you analyze and assess your finances and get you back on track wherever possible.

Bankruptcy & Alternatives

Talk to our bankruptcy professionals in Edmonton about personal or business bankruptcy proceedings as well as alternatives to declaring bankruptcy. We will endeavour to find workable solutions to your financial problems.

Consumer & Commercial Proposals

If you or your business has accrued enough debts that you cannot reasonably repay, there are options other than bankruptcy. Our insolvency trustees can help navigate the differences between consumer and commercial proposals to see if they may work for you.

Debt & Credit Counselling

Debt can feel overwhelming, and credit can be confusing. We are here to help explore all of your options to find the right solution for your situation. Our experienced professionals will help you create a plan to get your finances back on track.

Debt Consolidation

Alberta has a variety of programs and services that can help with debt relief, including debt consolidation. We can help you figure out if combining your debts into a manageable monthly payment is a suitable option for your unique situation.

Debt Repayment Planning

If you feel in over your head with multiple sources of debt, we can help. We specialize in offering debt repayment planning to help you lay out a clear and concise plan to pay off your debts in an efficient way.

Consumer or Business Creditor Negotiations

We have professional, knowledgeable staff that can help you work with creditors to reach a settlement. If your account is in collection, we can help find a solution that works for your situation.

Personal or Business Bankruptcy Protection Proceedings

Although bankruptcy may be the last resort for some, it can be an option if you cannot repay your debts for various reasons. We can help you explore if bankruptcy is the opportunity you need for a fresh start.

Free Initial Consultation

Personal & Business Financial Advice

In your free consultation, we will provide a confidential financial assessment, debt and credit discussion, and professional debt advice. Albertans in Edmonton and the surrounding Central & Northern area can rely on our expertise.

Where To Find Us

Find us in the First Edmonton Place building on the corner of Jasper Avenue and 107th Street, behind the Corona LRT Station. Street meter parking is available along Jasper Avenue as well as 106th and 107th Streets, and paid surface parking is off of 106th Street, and underground parking for First Edmonton Place is off of 107th Street.

A.C. Waring &
Associates Inc.

  • First Edmonton Place
    410-10655 Jasper Ave NW
  • Edmonton, AB T5J 3S9

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Our Testimonials

Blog

How To Deal With Overwhelming Credit Card Debt

Credit and DebtDebtDebt Management

Credit cards help cover costs in advance—they do not provide free money. They are a loan that requires repayment within the credit agency timelines, which many people can struggle with.   If you are struggling to pull yourself out of credit card debt, there are strategies you can use to take control of your situation, including […]

Read More…

January 10, 2024
Arthur Waring

What Your Credit Score Actually Means

Credit and Debt

Your credit score can be a significant factor when you are seeking a loan, mortgage, or even rental accommodation. Your credit score is essentially a rating of your creditworthiness. It is important to know how different types of debt can impact your credit score so you can responsibly manage it. A credit score is not […]

Read More…

January 10, 2024
Arthur Waring

What Happens if You Pay Your Mortgage Late?

Mortgages

So, you are set to start searching for a home but feel overwhelmed with all the nitty-gritty details that come with it? You have to understand mortgages, amortization periods, and fees before you even get your hands on the keys. We get it. It can be a lot to take in. While there are many […]

Read More…

December 14, 2023
Arthur Waring

Credit cards help cover costs in advance—they do not provide free money. They are a loan that requires repayment within the credit agency timelines, which many people can struggle with.   If you are struggling to pull yourself out of credit card debt, there are strategies you can use to take control of your situation, including […]

Read More…

Your credit score can be a significant factor when you are seeking a loan, mortgage, or even rental accommodation. Your credit score is essentially a rating of your creditworthiness. It is important to know how different types of debt can impact your credit score so you can responsibly manage it. A credit score is not […]

Read More…

So, you are set to start searching for a home but feel overwhelmed with all the nitty-gritty details that come with it? You have to understand mortgages, amortization periods, and fees before you even get your hands on the keys. We get it. It can be a lot to take in. While there are many […]

Read More…

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