At BDO Debt Solutions in Kitchener-Waterloo, our team of debt experts, including Licensed Insolvency Trustees and debt counsellors, are ready to provide advice and support for credit counselling, budgeting, debt consolidation, debt management, debt settlement, consumer proposals and bankruptcy.
Our clients say it best. Hear from people we've helped about their financial recovery journey and their experiences with BDO.
I greatly appreciate the service provided by the amazing staff during a very difficult time in my life. I would like to thank you for all the help and financial support over the last few years. You helped my wife and I tremendously to get our lives back in financial order.
Approaching debt is a stressful venture and for a first time debtor like myself it can be quite intimidating. I am so grateful and pleased that I contacted Micheal Comrie and his team at BDO. They made the process of handling my debt a far less stressful procedure, and they answered all my (many) questions along the way with quickness and friendliness. Joe Bette, the credit councillor, was very informative and friendly to deal with as well. I am so very impressed with the entire team at BDO and if you have any issue with debt at all, I highly recommend giving this team a call.
I originally spoke with BDO to see what my options were as at the time I lost about 40% of my income and still had a lot of outstanding debt. I was not delinquent at the time but without doing something quickly I would have been. My BDO Licensed Insolvency Trustee explained to me my options and within one week we filed a consumer proposal. At this point, I thought everything was too good to be true, but in fact I had all my unsecured debt reduced to 60 per cent of my original amount owing. And that's not even the best part. I now have five years interest free to pay it off with equal weekly payments! I would highly recommend anyone who is struggling with debt to not hesitate and call right away to discuss your options. There are options for everyone.
Being a very private person about my finances, I walked into BDO feeling anxious, scared and embarrassed. I was treated with the utmost respect and a sincere understanding of my financial situation without being judged. I got excellent advice for my current situation, ongoing assistance through the whole bankruptcy process and professional training and advice for a healthy financial recovery. Thanks to the BDO team, less than a year after filing bankruptcy I am in a great financial state, with good credit. Thank you BDO.
From consultation to resolution, my BDO Licensed Insolvency Trustee was supportive, informative and highly professional. I felt heard and understood with no judgment. Dealing with debt is very stressful. She helped me remain calm and guided me through the process while being available to answer all of my questions. To anyone struggling with debt, I would recommend reaching out to BDO. They will be there for you every step of the way.
My Licensed Insolvency Trustee and her team were compassionate and understanding of my situation and helped create a solution that worked for me. BDO as a whole offered great resources to understanding my options, and their national reach allowed me to connect with a local office after moving so I didn't have to travel hours for in-person meetings when needed. Overall I'm elated to have chosen to work with BDO.
Everything changed the day after I input my information into BDO’s confidential portal. I had no idea this help was available. That lack of knowledge and of course humiliation kept me suffering in the blackest of places. You do not need to be there. They can and will help. After consultations and advice, my garnishee and issues were very quickly dealt with by the kindest souls. Caring individuals that showed me there was light. Thank you is not enough for the opportunity they gave me to learn, and to rebuild myself. I am beyond grateful. Don't hide. Get the help these people are trained and happy to offer. Life can be better. Thank you BDO. You gave me something I haven't known in a while. Pride.
Debt can be overwhelming. We’re here to make sure you’re not alone on your journey to financial wellness. Our debt experts are ready to listen to your story and make sure you understand all the options available to you. If you decide a consumer proposal or bankruptcy is the right debt solution for you, they’ll guide you through the debt relief process, from start to finish.
“ Overwhelming debt can cause depression and anxiety. Knowing that there are solutions can help lift the heavy burden.
Licensed Insolvency Trusteeemail[email protected] Read Bio
Licensed Insolvency Trusteeemail[email protected]
Mike is a Senior Vice-President serving Southwestern Ontario and has been advising individuals and businesses on insolvency solutions since 2001. Mike is committed to helping people find creative and practical debt solutions. His professionalism and empathy put his clients at ease, making difficult conversations easier. Mike’s bachelor’s degree in Psychology from McMaster’s University ignited his passion for assisting individuals in a solution-focused manner. While his master’s degree in Business Administration provides Mike with a depth of knowledge to draw from when consulting with individuals and companies in financial turmoil.
Mike is committed to sharing his knowledge and passion for personal finance to help individuals and companies live happy and successful lives free from the burden of overwhelming debt. To help bridge the gap in financial knowledge, Mike launched his television show Money Matters with Mike Braga which airs on Rogers TV Kitchener. The mission of the show is to dare to ask those money questions you’ve always wanted to.
Mike is a member of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP). He is the chair of CAIRP’s core knowledge exam development board, where he has the opportunity to share his knowledge and experience with Licensed Insolvency Trustee candidates.
Mike has been actively involved in a range of community initiatives. He is the current chair of the Cambridge and North Dumfries Community Foundation, a foundation that connects projects and ideas with the resources that help the community thrive. He is the past president of KW Counselling Services and has volunteered with Tennis Canada.
“ Credit cards are a replacement for cash and not a replacement for debt.
Senior Insolvency Advisoremail[email protected] Read Bio
Senior Insolvency Advisoremail[email protected]
Since 1991, Rhoda has helped hundreds of individuals resolve their personal financial difficulties. She is a certified Insolvency Counsellor and a certified Insolvency Administrator. Rhoda has a caring, practical and informative approach when dealing with her clients.
Rhoda is married with three grown children. In her spare time, she is active in her community and enjoys spending time with her seven grandchildren.