At BDO Debt Solutions in St. John's, 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.
300 Kenmount Road
St. John's, Newfoundland and Labrador
Phone: +1 800-563-8337
Evening appointments availableGet directions
28 Hardy Avenue
Grand Falls-Windsor, Newfoundland and Labrador
Phone: +1 709-579-0660
By appointment only
Evening appointments availableGet directions
Our clients say it best. Hear from people we've helped about their financial recovery journey and their experiences with BDO.
I have learned a lot about expenses. What I truly need and wanted and how I used my income was an eye opener to the unhealthy ways I was using money leading to my bankruptcy. When I needed guidance and clarity the staff was always there and very prompt in getting back to me. I was cared for and respected in the recovery of my financial state. Thank you for your time and help during that difficult time.
Kerry Carter has always been a pleasant and friendly first contact when visiting BDO. She has a very professional mannerism, her presence has always made it seem like a reliable and safe environment. Whenever I had questions, Kerry was quick to respond and offered a kind and useful response.
After completing post secondary school I had high amounts of student debt and consumer debts that required high monthly payments. After having children the added costs of childcare and children’s needs resulted in my budget becoming overextended. Financial stress became too high of a burden so I made the tough decision to seek debt solutions. BDO staff were supportive throughout the process and provided step by step practical guidance along the way. At first I was very hesitant but in time I realized that not only was this the right solution, but that it would have been better if I had sought debt solutions three to five years earlier to prevent long term experiences of financial strain. Debt solutions really are just that 'solutions' and the BDO team are experts in this area and are eager to roll out a workable plan to get you out of debt.
Thank you Kerry Carter for your help. Your response time was excellent and you are very knowledgeable. You had the answers to all my questions and you are very pleasant to deal with. BDO is lucky to have you!
Adam Cardwell was amazing at making us not feel like failures and helping to make what had the potential to be a terrible time in our lives a little more bearable, and somehow made us feel like were were still in control even though there were so many unknowns for us. We cannot thank him enough.
Going through something like filing bankruptcy can be scary, humiliating and so overwhelming, but Adam Cardwell set our minds at ease. He explained everything in detail and ensured we were aware of all potential options. When it came time to proceed, he helped us make an informed decision, answered all our questions, ensured we were 100% comfortable with our decision and all potential outcomes before proceeding with filing.
Over the years I dealt with BDO, I found them to be very understanding when personal affairs came up, very patient, great to work with. They gave me all the possible assistance and resources required to push through such a difficult time. Special thanks to Tracey St. Croix, Nancy Snedden, Michelle Walsh in the St. John's NL office for great personal and professional service. I would definitely recommend this group to handle and navigate your insolvency or proposal requirements.
Life often takes us on many unexpected ups and downs. Being self-employed has so many benefits and rewards, but when you get injured there's no one to do your work for you. Most of us live above our means and rely heavily on every paycheque. Disability only covers a fraction of your income, and things can feel hopeless in a hurry. It can feel embarrassing to admit you need help. The sooner you leave your pride at the door and reach out to BDO, the sooner you get your life back.
The worry of finances can put unnecessary stress on your health, your marriage, your family and your self-worth. BDO can help you get your life back with one of many options.
BDO specialists were always there to assist and help me manage my debt issues. If an issue arose where payments were delayed, etc. they were always patient and very helpful to assist me in resolving the matter.
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.
“ What do I tell people in their first meeting with us? Debt can happen to anyone, there is no shame and the hardest part is done. You made the call to us for help.
Licensed Insolvency Trusteeemail[email protected] Read Bio
Licensed Insolvency Trusteeemail[email protected]
Nancy is the President of BDO Canada Ltd. and the National Service Line Leader for BDO Debt Solutions. Nancy oversees the insolvency, credit counselling and debt help practice for Canada. She is based in Newfoundland & Labrador and serves that province including the Avalon Peninsula, Clarenville, Bonavista, Gander, Grand Falls-Windsor, Burin Peninsula, Corner Brook, Stephenville and everywhere in between.
Nancy has been living and working in the St. John’s area her entire life. She has worked in insolvency for over 15 years, assisting thousands of individuals with creative and practical debt solutions. Nancy also has a broad range of financial recovery experience for businesses of all sizes including bankruptcy filings, proposals to creditors, receiverships and court-appointed receiver-manager experience.
Nancy hears every day from clients how difficult it is to make the initial call for debt help. She is passionate about really listening to her clients’ stories and providing a judgment-free environment. Nancy ensures everyone she sees feels confident in their decision to call and leaves their meeting knowing they have a path forward. Helping people who are struggling with debt and setting them up for a strong stress-free financial future is an unbelievable feeling, according to Nancy.
Nancy is a past board member of the Newfoundland & Labrador Association of Insolvency and Restructuring Professionals, as well as a past board member of the Canadian Association of Insolvency and Restructuring Professionals. Nancy is equally committed to her passion for health and fitness. In her free time, she is usually found cycling, walking, running or training at the gym.
“ Myth: The more credit cards I have the better my credit score will be. Fact: Having too many credit cards can have a negative impact on your credit score, resulting in it being lower.
Manageremail[email protected] Read Bio
Adam has been helping individuals with insolvency solutions since 2005. He meets with people during the initial consultation, helping them explore their options for debt relief and find the right debt solution for their situation. During the consumer proposal and bankruptcy process, Adam provides financial counselling to assist individuals with budgeting and credit management. Adam is an accredited Financial Counsellor, has successfully completed the Insolvency Counsellors Qualification Course through CAIRP (Canadian Association of Insolvency & Restructuring Professionals) and is currently enrolled in the Chartered Insolvency and Restructuring Professional Qualification Program. Growing up in Gander, Newfoundland, Adam moved to St. John’s after completing his B.S.C. at Acadia University. Prior to joining BDO, Adam spent over 10 years as a credit counsellor.
Adam understands that every individual’s financial situation is different, and therefore the solutions are always unique. He finds it very rewarding to provide options that help people overcome their financial difficulties and take back their quality of life.
Outside of work, Adam enjoys spending time with his family, hiking with his dog Willie and playing music with friends.
“ It is so rewarding to meet with a person and come up with a plan of action. You can see the sense of relief on their faces when they know there are options and that things will be ok.
Manageremail[email protected] Read Bio
Yvette Power has over 30 years of experience helping thousands of individuals with financial problems by administering their consumer proposal or bankruptcy. Yvette currently serves on the Client Experience Pillar Team, leads our senior administrator national calls, leads our Atlantic marketing committee, trains new hires in Atlantic Canada and most recently a new hire in BC. She is a coach and mentor to staff, and she is also involved in all local marketing initiatives. Yvette has completed the course on Insolvency Administration through CAIRP and the Insolvency Counselling Qualifications course. Yvette is a volunteer at Daffodil Place, a place for people with cancer and their caregivers to stay while receiving treatments.
Call 1-855-BDO-Debt or fill out the form below. We’ll assess your finances and explore all debt-relief options available to you.
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A BDO debt professional will contact you within one business day to schedule your free initial consultation.