Personal debt and debt collection issues are difficult to navigate.  Whether you are in debt, or are trying to collect a debt owed, we can assist you with minimizing your liability or maximizing your recovery. We assist with discharging student loans, preparing consumer proposals, providing representation at opposed discharge hearings, collecting secured and unsecured debt, and negotiating and enforcing payment arrangements. Having represented both debtors and creditors, we provide comprehensive and practically-informed advice.