Whitby Consumer Proposal & Bankruptcy Trustees

YanchDey & Associates

Whitby Insolvency Trustees for Bankruptcy & Consumer Proposals

Whitby Insolvency Trustees

400 Mary Street East,
Whitby, Ontario
L1N 2P8
Phone: 905‑721‑7506
Email: help@YanchDey.com

Hours
Monday to Friday
09:00 AM – 05:00 PM

Saturday & Sunday By Appointment
Evenings by appointment

Whitby Insolvency Trustees for Bankruptcy & Consumer Proposals

Kelly Dey | Whitby Insolvency Trustee

Yanch Dey and Associates are your Licensed Insolvency Trustees in Whitby. As bankruptcy trustees we help people with insolvency issues, providing advice, information and representation for:

We help people with financial issues get out of debt.

What’s a Consumer Proposal?

a government approved program
to pay creditors a reduced amount of the debt owed
on unsecured debt, credit cards ect,
over a 3-5 year period

In a consumer proposal, the proposal administrator makes an agreement with the unsecured creditors (e.g. credit card companies) to pay only a percentage of what is owed, over a 3 to 5 year period.

Debt Relief | YanchDey Provides Debt Relief — Break Free of Debt Forever

The payment is based upon what you can afford to pay and creditor expectations. The amount is negotiated for you by the insolvency trustee, acting as the consumer proposal administrator.

In a proposal, most people will save about 70% of the debt owed. For example, if you owed $10,000 your debt could be dropped to $3,000 payable over 5 years. Without any fees or interest added!

Personal & Business Bankruptcy

Bankruptcy in Ontario is a legal process under the Bankruptcy & Insolvency Act.

In bankruptcy, individuals and businesses facing debt problems and insolvency can obtain debt relief with the assistance of a bankruptcy trustee, now called a Licensed Insolvency Trustee.

Bankruptcy | Business & Personal Bankruptcy — Find out about getting out of debt today! Call Now.

The bankrupt agrees to surrender non-exempt belongings to the trustee, in exchange for the elimination of their debts.

In exchange the court issues a “stay of proceedings“. Debts are forgiven, wage garnishments, legal actions are stopped and creditors are forbidden from calling or harassing the debtor.

Give us a call, we’ll be happy to review your issues with you, with no fee or obligation.

The Role of a Bankruptcy Trustee

The role of a bankruptcy trustee in Canada is to help those facing financial debt and insolvency issues.

Our bankruptcy trustees provide counseling, bankruptcy service and use debt management tools like consumer proposals to help you get a fresh start. With our help and these financial tools, we have been able help hundreds of friends and neighbours throughout Whitby and Durham Region.

Bankruptcy trustees are licensed by the Canadian Government to administer bankruptcies and consumer proposals, the use of a lawyer is not required or necessary.

In Canada bankruptcy trustees and insolvency trustees avoid having to appear in court, unlike other countries where insolvency laws require a court appearance and the retaining of a lawyer.

Filing for bankruptcy is done through an Insolvency Trustee who administers the bankruptcy within the rules of the Bankruptcy and Insolvency Act, including and money, property or assets held in trust.

Make that Call Today!

You’ve thought about it, now take the first step…

Give us a call and lets have a conversation about your debt and how we can help you.

We offer a free opportunity to discuss your finances either over the phone or at our office. There’s no obligation or cost to learn what your options are.

We’ve helped hundred of people in Whitby, just like you. Call us today at 905-721-7506.

Bankruptcy Trustee Kelly Dey — Kelly Dey Insolvency Trustee

As one of Whitby’s oldest and most reputable firms for consumer proposals, personal bankruptcy and business bankruptcies we help people get out of debt and assist with financial issues.

We are conveniently located on Mary Street, just east of Hickory Street, one block north of Dundas St West, in Whitby.

Yanch Dey Bankruptcy Trustees

4.2

Charles Pepin

15:51 25 May 18

Hello Kelly, Thank you for taking the time to explain the differences between bankruptcy and a consumer proposal. You made me feel very comfortable and at ease knowing I can make this work, and turn around my financial future and I really appreciate that.

Leeza V

09:05 08 May 18

Thank you !! I feel like a new person. I can finally sleep again after years of stressing about bills. The Trustee and staff at Yanch, Dey could not have been more helpful or given me a better solution!

Lane Carter

22:42 16 Apr 18

We were referred to you by our banker who said we would not go wrong choosing your firm. You have been compassionate and helped us along the way. It has been a long time and we are looking forward to a new beginning.

walter clare

15:20 10 Apr 18

I work with individuals, couples and families dealing with addictions and recovery. Over the years I have referred, many clients to Yanch Dey in order that they might get their financial affairs in order. The people at Yanch Dey are genuinely warm and caring about the people they serve. I conduct follow up interviews with all my referral clients. Without exception they express their deepest appreciation for the way they were treated. They are especially pleased with the results from their having been able to restructure their financial affairs. I do not hesitate to give Yanch Dey my highest recommendation.

Debbie C

17:41 04 Apr 18

Excellent customer care. Meeting set up very quickly, negotiated with my creditors resulting in me paying almost 1/2 of what I owed, taking me quickly out of debt. Have recommended friends and family to them and would do so again.

Darlene Allen

12:06 04 Apr 18

Yanch& Dey Associates I was very pleased the way they handled the negotiations with my creditors. I ended up paying a fraction of what I owed on my debt and had it payed off less then I expected.A few of my family members were in the same situation as me and were so happy with their outcome I find they have very good negotiating skills.YOURS TRULY D.A.

Ron Henderson

14:31 30 Oct 15

I would definitely recommend James Yanch and his staff. They were very kind and professional when handling my bankruptcy. My wife and I met with a few trustees and were very happy to find this office. We appreciate all their help.

Susan lee

04:59 03 Dec 14

GREAT SERVICE! We would HIGHLY RECOMMEND your firm to anyone! Thank you Jim, Brenda and staff. We are now headed in a positive direction again. You helped us understand our options and get our lives back on track.Susan & Trevor

Heather Marie

01:14 28 Nov 13

Mr. Yanch - I want to thank you for helping my husband and myself through this difficult process. We recently recieved our discharge and already things are improving for us. You were referred to us by a family friend and now we know why. You and your staff provided the compassion and understanding that we needed. Many thanks, H & R

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