How Goldhar helps


What to expect at your free financial review

Your shed the debt® financial review is the first step in restoring balance to your financial life and your future.

A Goldhar & Associates licensed insolvency trustee or shed the debt® specialist will review your debt situation with you, explore all reasonable opportunities to resolve your financial problems, and provide you with straightforward counsel to help you rebuild your finances for a fresh start and a manageable future.

A consumer proposal or bankruptcy will not be recommended until we have professionally assessed your debt load and explored all other options for debt relief.

These debt relief options may include:

  • credit counselling
  • debt consolidation loan
  • consumer proposal
  • Division I proposal (for unsecured debts over $250,000)
  • Division II proposal for debts of a corporation
  • assignment in bankruptcy

If you decide to file either a proposal or bankruptcy, Goldhar & Associates will work with you to prepare the paperwork, and then file it as quickly as possible to stop all collection action.

Tell me about a consumer proposal

Tell me about bankruptcy

Here’s what people we have helped say about Goldhar

Making a consumer proposal or filing an assignment in bankruptcy is a private matter. That said, some of the people we have helped – and we have helped hundreds – were kind enough to share these thoughts about us:

“Goldhar is, without doubt, the best thing that has ever happened to me financially. If you have made some mistakes and need some financial help, give them 25 minutes and they will change your life. The staff are all efficient and friendly and they take the time to make sure you understand the finer details every step of the way. If you are thinking of contacting them do yourself a favour and call them now!” JT


“After I left your office I kept thinking of your theme line ‘rebalance and come back to life’. That’s exactly how I feel. Back to life. can’t thank you enough.” V


“I just want to share my heart felt appreciation to the Goldhar team. I appreciate all your efforts, professionalism and prompt service. This has been one of the hardest situations I have been through and I never wanted it to get to this point but in the end I am happy to have Goldhar on my team. Thank you for all the work you do to help people like me who just walked down the wrong path too many times but I am finally seeing a light at the end of that dark tunnel.” MP


“I am so relieved this is finally behind me after all these years since 2000. Can you imagine the stress CRA has put me through!!! Thanks to everyone @ Goldhar. I will pass on Richard’s name, this is the most trusted “trustee” in Ontario.
Please wish everyone a Happy, Healthy New Year.

Regards. E.”


“I would like to thank you and your staff for handling my financial liabilities in a professional manner. I highly appreciate your work and will definitely recommend you to anyone I run into that requires your services. Thank you for your help.” A.S

Book your free shed the debt® financial review today. Call 1-855-541-5114 now. Or fast dial #debt (#3328) on your mobile phone.

The sooner you call Goldhar, the faster you can be debt free.