Doyle Salewski Inc.

Doyle Salewski Inc., Licensed Insolvency Trustee in Ontario and Quebec

Doyle Salewski Inc. is a firm of Licensed Insolvency Trustees serving Ontario and Quebec. Its activity focuses on advising on and processing legal solutions for individuals and businesses with debt problems, including consumer proposals, personal bankruptcy, and restructuring alternatives for businesses. The firm presents itself as specializing in helping clients reduce debt and avoid bankruptcy, with a network of more than 25 offices across both provinces.

Consumer Proposals: An Alternative to Bankruptcy

A consumer proposal is a legally binding agreement between the debtor and their creditors that allows them to pay a portion of the debt over time, with a reduction of the total owed and immediate protection from collection actions. Doyle Salewski indicates that its clients can save up to 80% of their debt through this mechanism. The payment plan is tailored to the client's budget and, according to the firm, allows them to keep assets such as their home and stop interest. The company states that its proposal acceptance rate is 99%.

Among the debts that can be included in a consumer proposal, the firm mentions personal income tax, HST, GST, and PST. It also notes that creditors must cease collection calls as soon as they are notified of the filing, and that the firm intervenes if a creditor or collection agency continues to harass the debtor. The process includes two mandatory counselling sessions, individual with a debt relief manager, covering money management, budgeting, goals, lifestyle changes, and relapse prevention. Fees are governed by a government tariff and are included in the payment the debtor makes to the trustee for distribution to creditors.

Personal Bankruptcy and Requirements

Personal bankruptcy is a legal process designed to eliminate or reorganize debts under the protection of the bankruptcy court. Doyle Salewski explains that only a Licensed Insolvency Trustee can initiate and process a bankruptcy proceeding, and that a lawyer is usually not necessary except in complex circumstances. The firm clarifies that most personal bankruptcies go unnoticed by family and friends, as only creditors and their agencies are formally notified. It also notes that a Canadian bank cannot refuse to open a personal account for reasons of bankruptcy, unemployment, or lack of funds at the time of opening.

Solutions for Businesses and Specific Audiences

In the business area, the firm offers solutions to reduce debt and a commercial team that guides the filing process. Doyle Salewski also provides guidance to specific groups: students and recent graduates, single or divorced parents, seniors, Canadian residents abroad, high-income earners, and business owners. The website includes resources on types of debt (credit cards, taxes, bank loans, student loans, and payday loans), consequences of unpaid debt, debt consolidation, stopping collection calls, and wage garnishment.

Consultation Process and Confidentiality

The first step the firm proposes is a free and confidential consultation with a certified debt relief manager, with no pressure or judgment. From there, income, expenses, and debts are evaluated to design a personalized plan. Once accepted, Doyle Salewski handles the paperwork and negotiations with creditors. The company highlights fast response, fee transparency, confidentiality, and the fact that its trustees are government-licensed and follow strict professional standards.

Presence and Coverage

Doyle Salewski has more than 25 offices in Ontario and Quebec. Among the locations where it operates are Arnprior, Barry's Bay, Brockville, Belleville, Campbellford, Carleton Place, Cornwall, Embrun, Gatineau, Montreal, Napanee, Nepean (head office), Orleans, Ottawa (downtown), Pembroke, Perth, Picton, Renfrew, Smith Falls, Trenton, Toronto, Tweed, and Windsor. The firm maintains a rating of 4.9 out of 5 based on more than 400 Google reviews.