Below is a list of the most frequently asked questions. If you are unable to find any specific information you may be interested in, contact Full Circle Total Debt Solutions and a representative will be more than happy to assist you.
No. We take a much more personalized approach. One of our personal debtor support staff will take a look at your financial position with you either in person, on-line, or over the telephone. Then, we’ll create a budget for you and negotiate with your creditors. The best strategy for you may be a consumer proposal, bankruptcy, debt settlement, or a credit counselling.
As soon as you file a consumer proposal, your credit rating will be revised to either an R7 or an R9 and it will probably remain at this rating until the proposal is completed.
No, Full Circle Debt Solutions will NEVER share private information with out your explicit consent.
No, once you have filed a Consumer Proposal, you are protected from unsecured creditors.
Filing for bankruptcy in Canada does not directly affect your spouse. Your debts are your debts; only you are responsible for them.If you go bankrupt, your debts are discharged. Your husband or wife or common-law spouse is NOT responsible for your debts.