Kitchener is city in the Regional Municipality of Waterloo in the province of Ontario and had a population of 233,222 as of 2016, an increase of 6.4% from 2011 according to Statistics Canada. Dana MacRae | Licensed Insolvency Trustee offers insolvency services such as consumer proposals and bankruptcy in Kitchener and the surrounding.

  1. Home
  2.  » 
  3. Locations
  4.  » Kitchener
  • Contact Us Today
  • This field is for validation purposes and should be left unchanged.


22 King Street South #303
Kitchener/Waterloo, ON N2J 1N8

Office Hours

Monday – Friday 7:00 am to 7:00 pm
Saturday – Sunday – 10:00am to 5:00 pm

Mailing Address

We are a Bankruptcy and Insolvency Trustee in Kitchener who has been providing insolvency service in the Kitchener/Waterloo area since 2000, specializing in helping people and businesses to get their finances in order. Our Kitchener Insolvency Trustee will explain to you the differences between Consumer Proposals, Filling for Bankruptcy and Debt Consolidation loans. These are some of the options available to you for credit and debt management in Kitchener. We can help with debt relief ranging from credit card debt to tax debt. Bankruptcy in Kitchener is always a last resort, and our goal is to work with you to find the best alternative for your financial situation.

We look forward to discussing your financial options with you.

Schedule an appointment at our Kitchener/Waterloo office or book a home consultation with our Kitchener-based Insolvency Trustee, Dana MacRae. Free parking is available at Waterloo Town Square or city parking on Regina Street (besides Paul Puncher Menswear).

Call today (519) 954-3200 to learn more about our services and find the financial solution that is right for you.

Kitchener Insolvency, Bankruptcy and Consumer Proposal Office

22 King St S #300 / Kitchener – ON / N2J 1N8

Talk with an Insolvency Trustee Now – Call (519) 954-3200

Hours of Operation

Monday to Friday – 07 AM to 07 PM
Saturday and Sunday – 10 AM to 05 PM


Insolvency Trustee in Kitchener

Dana MacRae Trustee is a licensed insolvency trustee that offers credit management and bankruptcy services. We have been operating for more than 21 years as a licensed insolvency trustee across Ontario. We offer free consultation to help you get your finances under control.

Kitchener has a vibrant working city serving several industries, such as the automotive, and other businesses in the Regional Municipality of Waterloo.

Postal codes in the City of Kitchener begins with N2.

Neighbourhoods within the City of Kitchener include Alpine Village, Forest Heights, Heritage Park, Laurentian Hills, Stanley Park, Idlewood, and Grand River North and South.

 City Hall is located at:
200 King St W., PO Box 1118, Stn C
Kitchener, Ontario N2G 4G7
Phone: (519) 741-2286


Call or Book Now to learn more about our services and find the financial solution that’s right for you.

We offer a wide array of services for

Simcoe residents aimed at simplifying debt

Bankruptcy Services

Over the past generation, people have turned to Bankruptcy Services for a new start and second chance. Bankruptcy Services can provide both of these things and more: Bankruptcy Services is an important option when you're in debt and looking for a way out or when you've already fallen behind but want to find a solution that gets you back on track.

Personal Bankruptcy

Personal bankruptcy is a legal proceeding that may be applied to individuals as a solution to dealing with debt. Personal bankruptcy comes in two forms, either as a summary administration or ordinary administration (projected realization in excess of $15,000.00).

Corporate Bankruptcy

Corporate bankruptcy is a complex process that requires a lot of care and attention, but with a licensed insolvency trustee, it can be run smoothly. Corporate entities may be unable to meet their payment schedules, which often results in an inability to pay off debts. Corporate bankruptcy is different from individual bankruptcy as corporate bankruptcy operates on a business level whereas individual bankruptcy operates on an individual level.

Proposals to Creditors

Proposals to creditors consist of a debtor making an offer to creditors on how money and/or property can be distributed. Proposals may also include arrangements for the repayment of debts, such as proposal to creditors due to financial difficulties. It often involves payments of less than 100% of the debt owed. Proposals to creditors are governed by the Bankruptcy and Insolvency Act and Regulations as well as provincial legislation applicable in your jurisdiction.

Debt Management

Debt Management helps the client by negotiating with creditors and getting them to accept lower payments than what is owed, either through an agreement of future payment or a lump sum settlement. It has many benefits, such as a reduced interest rate, reduced fees and a reduced total amount to be repaid overall. Debt Management can also help prevent clients from going into bankruptcy.

Reduce Debt

Reduce Debt is a service offered by a trustee to a debtor in a financial situation where they have too much debt, and not enough money to pay it all off. Reduce Debt reduces the amount of this debt by either settling or renegotiating with creditors. Reduce Debt may also be used to consolidate high-interest rate credit cards so that the debtor only has one monthly payment at a lower interest rate.

Debt Consolidation

Debt consolidation offers a solution by consolidating debt by taking out a new loan to pay off your current debts. Debt consolidation has many benefits for people who have high levels of debt and find it difficult to keep track of all their repayments. Debt Consolidation can also help you save money (reducing interest and fees) as well as reducing stress of keeping track of numerous payments that are required to be made on a monthly basis.

Credit Rebuilding

Credit Rebuilding consists of several components that help you build your credit score. Credit rebuilding can occur when there is a reason for the disruption of the credit building process, such as an error or changing jobs. Credit rebuilding involves dealing with the reason why you are or were in debt.

Credit Management

Credit Management consists of management techniques that address the company's ability to extend credit. It plays a very important role for any business, whether it be selling or leasing products or providing services. Credit management is a business activity that includes the following elements: Credit Policy, Credit Rules and Procedures, Credit Rating Agencies, Credit Administration and Credit Collections. It is an extensive area of concern for all small businesses as well as medium-sized businesses today.

Credit Counselling

Credit counselling is a process that can assist you if you are struggling with your finances. It consists of several steps that are designed to help you regain your financial stability. Credit counselling can be used as a tool for people who have considered bankruptcy or those who are struggling with their credit card bills. Credit counselling is available throughout Canada and has helped thousands of Canadians get back on track with their finances each year.

Over 20 years of experience with insolvency and bankruptcy in Kitchener

Dana MacRae is a licensed insolvency trustee based in the Kitchener/ Waterloo area. Dana can provide professional guidance and personalized solutions to your financial situation. Being based in Kitchener, Dana understands the toll that the high cost of living in Kitchener puts on family’s budgets. We have a track-proven record of finding ways for creditors to lower payments and to agree to compromise on the debts of our Kitchener clients, if possible. Our goal is to reduce our clients’ debt while maintaining their dignity. We strive to protect our Kitchener clients seeking protection under the law during their insolvency and bankruptcy processes.

We can help you determine whether a consumer proposal is right for you

A Consumer Proposal is your Chance
for a Fresh Start in Kitchener.

Call for a free and confidential consultation at our Kitchener Office for immediate help with insolvency, bankruptcy and any other debt-related service.


× How can I help you?