West Elgin

The Municipality of West Elgin is in the County of Elgin in the province of Ontario which was formed in 1998 by an amalgamation of the former township of Aldborough with the village of West Lorne. which had a population of 4,995 as of 2016, a decrease of 3.1% from 2011 according to Statistics Canada. Dana MacRae | Licensed Insolvency Trustee offers insolvency services such as consumer proposals and bankruptcy in the Municipality of West Elgin and the surrounding area.

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Licensed Insolvency Trustee in West Elgin

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

Communities within the Municipality of West Elgin that have their own postal codes is Rodney (N0L 2C0) and West Lorne (N0L 2P0).

Smaller communities within the municipality that do not have postal codes are Churchville, Crinan, Eagle, Kintyre, New Glasgow, Port Glasgow, and Twin Valleys.

Municipal Office is located at 22413 Hoskins Line, Rodney, Ontario
Mailing address:  PO Box 490, Rodney, ON  N0L 2C0
Phone: (519) 785-0560
Fax:    (519) 785-0644
email: westelgin@westelgin.net
Website: http://www.westelgin.net/

Ontario Works – St. Thomas
230 Talbot Street, St. Thomas, N5P 1B2
Phone: (519) 631-9350    1-(800) 265-4362

Ontario Disability Support Program (ODSP) – London Regional office
217 York Street Box 5217 Suite 203, London, N6A 5R1
Phone: (519) 438-5111    1-(800) 265-4197
Mailing address: PO Box 3399, Stn Main, Markham, ON, L3R 6J2

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.

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  • Professional Guidance
  • Personal Service
  • Customized Solutions
  • Quality Resources
  • Payments Customized to your Situation
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