Licensed Insolvency Trustee

Guiding You Out Of Debt And Back Into Control.
Let us help you explore your options and give you tools to start living again

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Does Your Debt Cause You Stress?

I’m Crystal Buhler, Licensed Insolvency Trustee with C. Buhler & Associates Ltd.

We help deal with your financial difficulties.

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Services We Offer

Consumer Proposal

Ever wanted to write your own payment plan? Want to ask your creditors to reduce the interest they charge, or the overall amount you owe? That’s what a Consumer Proposal can do.

Together with our trained team, let’s design a payment plan that works for you, on terms your creditors can agree to. It is a binding agreement between you and your creditors, that can reduce interest, principal or both. You pay what you can afford – we do the negotiating. Simple. As. That.

Bankruptcy

Needing a financial reset? The most common reason to choose a bankruptcy is a fresh start, free of debt. Since bankruptcy can be a complicated process, with required duties, you need a guide that you can trust through the process. Have questions about what you can keep, and if bankruptcy might be the right choice for you? Licensed Insolvency Trustees will help with your bankruptcy – ask for your free consultation today.

Debt Consolidation

With so many options in the market, who better to explain the differences than a Licensed Insolvency Trustee? While Trustees don’t offer consolidation loans, we are an unbiased, neutral third party, not motivated to meet sales targets by selling you products you don’t need. We can provide you with credible connections in your community to those offering loans that will build your credit, not create future problems. Did you know even if you can’t qualify for a consolidation loan, you can still qualify for a Consumer Proposal? Ask us to give you an idea of what a consolidation loan should look like for you and compare the other alternatives.

Credit Counselling

As part of every assessment, our team will walk through your budget, and explore viable options to restructure your debt. Regain control of your expenditures, and see if you could benefit from a debt management plan, or if a more formal option would better fit your circumstances.

We have trained Bankruptcy and Insolvency Act (BIA) Financial Counsellors to help you understand how to make your budget work for you!

Corporate Restructuring

Business is tough. Investigating options to deal with corporate debt is something most business owners will consider at some time during the business life cycle. When conventional refinancing isn’t a viable or affordable option, formal restructuring could be necessary. Licensed Insolvency Trustees are trained to think outside the box – looking at every angle to save your investment and livelihood, and to protect you and your employees. With a background in commercial lending, our team understands the options you need to protect your investment.

Repayment Calculator

Compare four possible debt solutions and see how much you can save by using a Consumer Proposal from C. Buhler & Associates Ltd.

How We Help You

1. We listen

Talking about debt can be intimidating, but we will ensure you feel supported as you take the next step towards financial recovery.

2. We find a solution

There are many solutions to a debt problem. It's why we take the time to listen to your story so we can help you explore the best options.

3. We help you move forward

Debt can hold you back and stop you from achieveing your goals. We can help you regain your confidence and start planning for the future.

Fill out this Self Assessment Form to See How We Can Help

Answer the 4 multiple choice questions to give you an idea of the financial help you need. You will be presented with some insights and a form to fill and submit if you would like to get help from one of our professionals.

Step 1 of 2

50%

What financial problem keeps you up at night?

The total amount of my debt

I don't know where to start in order to create a budget

I don't understand why I can't get ahead on my finances

I just can't seem to save to accomplish my financial goals

My Business debt causes me anxiety

I'm concerned I will be garnished

Do you carry balances on the following accounts?

Credit Cards

Secured debts (e.g. mortgages, car loan)

Payday loans

Government debts (e.g. taxes, student loans)

Service providers (e.g. Phone/utilities, gym membership)

Which of the following best describes your financial habits?

All my balances are paid each month

My debts are in good standing but I cannot seem to decrease the principal balances

I can make my payments but usually do so with debt, or by applying for new credit

I am screening calls avoiding collection agencies

Creditors have sued me

What is your household's primary source of income?

None at the moment

Government Income Assistance and/or disability programs

Employment Insurance

I am employed

I am self-employed

I receive only pension income

How We Can Help

List all your debts in one place, including balances, interest rates, and minimum payments, to get a clear picture of what you owe. This will help you make a plan to tackle them strategically.

Review your spending habits and identify patterns. Look for areas where you might be overspending or where small adjustments could free up cash to move you forward. Be sure you have clearly defined your financial goals, and that the goals are attainable

Without making any changes to your spending, track your income and expenses for one month to see where your money is going. From there, categorize expenses and set limits based on your financial priorities.

Automate your savings by setting up an automatic transfer to a separate savings account on your payday. Treat savings like a non-negotiable expense, and do not allow access to the savings account with your debit card. Review the reasonability of your goals, and have short-term and long-term goals.

Explore refinancing or restructuring options. Consider increasing revenue streams or cutting unnecessary business expenses to free up cash flow, and prioritize reducing high-interest debt first.

If you’re at risk of wage garnishment, contact your creditor(s) to discuss a repayment plan before legal action is taken. Seeking advice from a Licensed Insolvency Trustee, so you can understand all your options.

Focus on paying more than the minimum payment, starting with the highest-interest card first (avalanche method) or the smallest balance first (snowball method) to gain momentum. Consider transferring balances to a lower-interest option if possible.

Make sure payments are made on time to avoid repossession or foreclosure. If struggling, explore refinancing for a lower interest rate or extending the loan term to reduce monthly payments.

Prioritize paying these off as quickly as possible since they have extremely high interest rates. If necessary, seek a lower-cost loan or a payment plan with the lender to break the cycle of dependency.

Contact the government agency to set up a payment plan or apply for hardship programs if eligible. Ignoring these debts can lead to serious consequences like wage garnishment, and seizure of your tax refunds and/or credits.

If behind, negotiate a payment plan before the service is cut off. Cancel or downgrade services you no longer need to free up cash for higher-priority debts.

That’s great! To level up your financial expertise, challenge yourself to start a Tax-Free Savings Account, or Retirement Account.

Increase your payments beyond the minimum, even by a small amount, and focus on one debt at a time (either the highest interest or smallest balance first). Redirect any extra income (e.g., bonuses, tax refunds) toward your principal.

This is a warning sign of a debt cycle. Cut unnecessary expenses and create a realistic budget to free up cash flow. Consider speaking with a Licensed Insolvency Trustee before your situation worsens.

Avoidance can lead to legal action or more aggressive collection efforts. Instead, contact the agency to negotiate a payment plan or settlement. If you’re overwhelmed, take advantage of a free consultation with a licensed insolvency Trustee. Their non-judgmental approach can help as you navigate your options.

Take legal action seriously. Ignoring lawsuits can lead to wage garnishment or asset seizure. If possible, consult a Licensed Insolvency Trustee to understand your rights and to understand how a proposal or bankruptcy could help you avoid garnishment.

No income makes it difficult to make your payments, which can lead to defaults, collections, and damage to credit, making it harder to access financial support in the future. Consider reaching out to community supports to reduce living costs or increase income in the short term, while you investigate longer term income options.

Having a limited income restricts the ability to pay down debt, and some assistance programs have asset or income limits that could be affected by additional financial resources. Consider discussing your financial situation with your Doctor, your accountant, or a Licensed Insolvency Trustee to see if there are programs that can help.

EI benefits are temporary and often lower than previous earnings, making it difficult to cover debt payments and essential expenses while searching for new employment. Consider discussing your financial situation with a Licensed Insolvency Trustee to see if there are programs that can help.

Having stable income helps with debt repayment, but high living costs, unexpected expenses, or inflationary pressures can prevent meaningful progress in reducing debt balances. If you find you are struggling to get ahead financially, consider reaching out for a free finanical consultation with a Licensed Insolvency Trustee.

Irregular income makes it challenging to maintain consistent debt payments, increasing the risk of missing payments or relying on credit during low-income periods. Co-mingling of personal and business finances can lead to a mis-representation of the profitability of the business. Ensure you have a substantial savings reserve for personal expenses, to avoid going into debt.

Fixed income may not be sufficient to cover debt payments and rising living costs, especially with inflation and unexpected healthcare expenses in retirement. If you find you are struggling to get ahead financially, consider reaching out for a free finanical consultation with a Licensed Insolvency Trustee.

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What our clients say

Hear from people we’ve helped about their financial recovery journey and their experience with C. Buhler and Associates.

Anonymous

"My family and I really appreciate everything you guys have done"

Anonymous

"You made a difficult process bearable, and along the way dispensed valuable insight and info. I would recommend you and your team wholeheartedly"

Anonymous

"This is a whole weight lifted off my back. Maybe now I will be pain-free and able to sleep at night."

Anonymous

If you’re feeling overwhelmed by debt, regardless the circumstance, C. Buhler is here to listen to your story, help you explore the best options, and guide you toward a brighter financial future. As Crystal tells Siere Business Consulting and Services in Brandon – you want to talk to someone about your debt long before you run out of options. If you or someone you know is struggling with debt, our amazing team is here to help.