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Debt and Credit Solutions

Golding & Associates offers a complete range of debt and credit solutions to our clients in greater Halifax, the Annapolis Valley and elsewhere in Nova Scotia. When you come in for your free consultation we will review all your options to find the best available solution. Some of options we will discuss are:

Budgeting

We will review your current budget and work with you to see if there are any suggestions we can make to help you get your debt paid off faster. A professional may be able help you find places you can reduce your expenses. We can help you learn to track your expenses and plan your monthly expenditures. Sometimes just changing your budgeting strategy can free up enough money to allow you to pay down your debt.

Consolidation Loan

Consolidating your debt into one loan may help solve your financial problems. We will review this option to see if it may be a debt or credit solution for you to investigate further.

Selling / Refinancing Assets

We will review your assets to see if they may be part of the solution to your problems.

Proposals

A proposal is a formal compromise or arrangement approved by the Court between you and your creditors.  It is a very good option in certain circumstances. It can be a reduction in interest, a settlement on dollar value, and extension of time or any combination of those things. Our webpage provides details on this option.

Bankruptcy

When no other options provide a viable solution, we will look at bankruptcy as a solution. No one likes the idea of filing for bankruptcy, but sometimes it is the only answer. The Bankruptcy and Insolvency Act states the intention of the Act is to provide honest and unfortunate debtors the opportunity for a fresh start free from the crushing burden of their debts. Our webpage provides an overview of the bankruptcy process.

Not all debt or credit solutions are a good fit for everyone. That is why we take the time to discuss them all to figure out what ones might work for you. From our offices in Halifax, Kentville and Digby, we serve clients throughout Nova Scotia, including Dartmouth, Bedford, Sackville and the Annapolis Valley.

Halifax Office:
102 Chain Lake Drive, Suite 307
Halifax, Nova Scotia. B3S 1A7

Kentville Office:
15 Aberdeen Street
Kentville, Nova Scotia. B4N 2M9