Chase & Associates124 User Reviews
checkStop collection calls
checkZero percent interest. Includes Income Tax Debt.
checkFederal Government Approved Debt Relief Plan
If you have specific questions, or even if you want to hear how we can help you, fill out this form and we’ll contact you within one business day.
Your British Columbia Bankruptcy & Debt Experts
If you have financial issues such as credit card debt, a defaulted mortgage, income tax debt, or wage garnishees, Chase & Associates can help. Whether you need credit counselling, debt consolidation, or help with personal bankruptcy, we’ll help you find the right solution for your needs.
Credit counselling can take different forms, from budgeting and money management help, to working out an informal arrangement with your creditors that would result in a monthly payment.
READ MOREAlso known as a debt settlement proposal, a Consumer Proposal is an offer to settle with creditors, repaying in full, or in part, over a period of time. We'll help you through the process.
READ MOREWhile the phrase ``personal bankruptcy`` may be intimidating, it is often the most sensible option. As a licensed Trustee, we have years of training and experience to help you through the process.
READ MOREThis can make sense if a company needs protection from creditors and future profitability is probable. The result can be breathing space while the creditors are eventually repaid some or all of the debt.
READ MOREConsumer Proposal Calculator
Consumer Proposal may be a good debt relief solution for your financial situation. Find out if you are eligible.
Dealing with financial problems can be stressful.
Talk to us, we’re here to help!
free consultation
licensed and certified
bankruptcy & debt experts
in service since 1992
high reviews from clients
over 6,000 people helped
Help in your time of financial stress
Do you have difficulties managing debt? Is someone you know in financial trouble? You’re not alone. Thousands of Canadians face similar problems juggling payments and keeping up with rising costs of living.
The good news is that there are various remedies to help your situation. From financial and credit counselling, to debt consolidation, or personal bankruptcy, Chase & Associates can provide advice and assistance, whatever the state of your financial situation. As an independent firm, we have the freedom to take as much time as necessary to help you explore your options. We will analyze your unique situation and offer debt help solutions including navigating you through options with income tax debt.
Chase & Associates is a Licensed Insolvency Trustee, Administrator of Consumer Proposals, and Credit Counsellor serving Central and North Vancouver Island, the Sunshine Coast, and the BC North Coast.
Why Choose Chase & Associates
Chase & Associates also have a strong track record of client satisfaction, reflected in numerous positive reviews highlighting their professionalism, supportive service, and guidance through stressful times. Clients frequently remark that the team made a difficult situation feel manageable and that they were treated with respect throughout the process.
One of the key reasons people choose Chase & Associates is their personalized, compassionate approach. Because they are a private firm, they take the time to listen to your concerns, understand your financial situation, and explain every option in plain language so you can make an informed decision.
FROM OUR BLOG
Blog, Money Management, Ten Reasons Why Cash can be Better Than Credit
Every day, Canadians make decisions about whether to spend money—and how to pay for those purchases. Once we decide to go forward with the transaction, the next decision is how to pay; cash or credit? This is not a hard decision, or maybe no decision...
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Blog, A New Chapter for Our Practice: Derek L. Chase & Associates Becomes Chase & Associates LTD
As we continue our commitment to helping individuals and families find a fresh financial start, our practice is entering an exciting new chapter. As part of this transition, Len Hiquebran, Licensed Insolvency Trustee, officially took over the LIT practice previously operated by Derek L. Chase...
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Blog, Debt, Signs of Financial Trouble: How to Know When Debt Is Becoming a Problem
Do you feel like your finances are starting to slip — or that debt is slowly taking over? Financial trouble rarely happens all at once. More often, it builds quietly, with small warning signs that are easy to ignore until they become impossible to manage....
Read article
Blog, Money Management, Senior’s Housing in BC (SAFER) and Cost of Living
The continuing upwards pressure on the cost of living in BC has caused the most grief to seniors on fixed pension income or if your income is modest. Inflation has pushed the cost of groceries and rent higher and higher to the point where people...
Read article
Blog, Licensed Insolvency Trustees, Debt Problems? Talk With a Real Trustee (A Local Licensed Insolvency Trustee)
No matter the situation, if you feel overwhelmed and confused, it’s best to reach out to an expert and receive professional advice. So if your debt is out of control, the process is no different—you should contact a local Licensed Insolvency Trustee (LIT). LITs are...
Read articleVIDEOS
Campbell River Debt Solutions
400 Tenth Avenue
Campbell River, BC V9W 4E3
250.287.8331
Nanaimo Debt Solutions
4800 Island Highway #23
Nanaimo BC V9T 1W6
Tel: 1-866-317-8331
Powell River Debt Solutions
7055 Alberni Street
Powell River, BC V8A 2C2
(by appointment only)
Tel: 604.485.7302
Sechelt/Gibsons Debt Solutions
Sechelt, BC
(by appointment only)
604.884.5188
Courtenay Debt Solutions
#301-910 Fitzgerald Avenue
Courtenay, BC V9N 2W2
(by appointment only)
Tel: 250.897.1885
Parksville / Qualicum Debt Solutions
1 – 220 Island Highway West
Parksville BC, V9P 2P3
1.866.317.8331
Prince Rupert Debt Solutions
222 – 5th Street
Prince Rupert, BC V8J 3S4
1.866.317.8331
Terrace & Kitimat Debt Solutions
101 – 4639 Lazelle Avenue
Terrace, BC V8G 1S8
1.866.317.8331
Frequently Asked Questions
What is bankruptcy in Canada?
Bankruptcy is a legal process that helps individuals who are unable to pay their debts get relief by discharging most unsecured debts. It also stops creditor collection actions like wage garnishments as soon as the process begins.
What is a Consumer Proposal?
A Consumer Proposal is a formal, legally binding offer to settle your unsecured debts for less than what you owe, structured over a period of up to five years. It’s administered by a Licensed Insolvency Trustee and protects you from creditor actions once filed.
Will bankruptcy show up on my credit report?
Yes. Both bankruptcy and Consumer Proposals are reported to credit bureaus and will appear on your credit report for a period of time. However, completing either process and then rebuilding your financial habits can help improve your credit over time.
Will I lose my home or car in bankruptcy?
Not necessarily. Whether you keep assets like your home or vehicle depends on equity, exemptions, and your ability to continue making secured payments. Chase & Associates will review your situation and explain what you can keep.
Can filing for bankruptcy or a Consumer Proposal stop creditor calls?
Yes. As soon as you enter bankruptcy or file a Consumer Proposal with a Licensed Insolvency Trustee, a legal “stay of proceedings” stops most collection calls and legal action by creditors.
Will my employer know if I file for bankruptcy?
In most cases, your employer will not be informed unless you choose to tell them. The process does not automatically involve notifying your workplace.
Chase Insolvency Trustee BC
Does a Consumer Proposal cost money up front?
No. There are no upfront fees to file a Consumer Proposal costs are incorporated into the monthly payments set in the proposal and must be approved by your creditors.
Can my spouse be responsible for my debts?
Usually not, unless they have co‑signed or guaranteed a debt. A spouse who hasn’t signed on to your loans generally is not personally liable for your consumer insolvency.
Are there alternatives to bankruptcy?
Yes. Alternatives include debt consolidation loans, credit counselling, informal repayment arrangements, and Consumer Proposals — all of which a Licensed Insolvency Trustee can review with you to determine what fits your needs.
Chase Insolvency Trustee BC
Is the initial consultation with Chase & Associates free?
Yes. Chase & Associates offers a free, confidential initial consultation to discuss your financial situation and explain your options before you commit to any process.
Are you in financial distress? Get debt help
If you have specific questions, or even if you want to hear how we can help you, fill out this form and we’ll contact you within one business day.