(855) 352 - FREE (3733) info@debtfreenorth.com
Serving Manitoba and the Northwest Territories

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What is a Licensed Insolvency Trustee (LIT)?

LIT & CIRP Explained

An LIT is a qualified, experienced, federally regulated professional who can assist those in financial difficulty to understand the options available, and navigate choices. Many LIT’s also display the Chartered Insolvency and Restructuring Professionals (CIRP) certification mark, indicating that they are members of the Canadian Association of Insolvency and Restructuring Professionals (CAIRP). CIRPs are recognizable in the industry for their integrity, expertise and professionalism. CIRPs agree to abide by the highest standards, including CAIRP’s Code of Ethics, Rules of Professional Conduct, and Bylaws and Standards of Professional Practice.

These professionals are your best choice for providing solutions to financial problems and helping you navigate your options.

Do You Need Help From a Trustee (LIT)?

LIT Debt Consultant
Free Initial Consult
Can file a consumer proposal
Can file a bankruptcy
Federally licensed
Regulated fees

See a more complete list on the Office of the Superintendent of Bankruptcy Canada website

What I Can Help You With




Goal Targeting







My Approach to Debt Freedom

Crystal D. Buhler, CPA, CGA, CIRP, LIT

Everyone needs a little guidance at some point. With my accounting background, experience in education, and understanding of life beyond big city limits, my aim is to guide you to financial freedom.

As a Licensed Insolvency Trustee (LIT), and a Chartered Insolvency and Restructuring Professional (CIRP), I ensure that you understand all available options, allowing you to make an educated decision about your financial future. I appreciate the uniqueness and authenticity of those I help, and look forward to finding the right option for you, based on your situation.

Understand the Alternatives, Make a Decision, and Reach Your Goals

Choosing to work with a Licensed Insolvency Trustee means committing to financial rehabilitation. Proposals to Creditors and Bankruptcy can become onerous processes, if you lose sight of the end goal. We are here to explain your options, support you in your decision, and help you reach your target.

Learn Healthy Budgeting Skills & Improve Money Management

You will have the opportunity to discuss budgeting techniques, and the difference between ‘good’ credit and ‘bad’ credit. Financial counselling sessions are structured to allow you to learn how to manage money in a responsible and effective manner, and recognize some of the ‘pit-falls’ which lead to financial trouble. You are encouraged to ask questions in order to get the most out of our services, and map out your financial future.

I also deliver

Financial Literacy Education Seminars

Working as a volunteer for CPA Canada, I can deliver sessions geared to strengthen financial literacy in Canada. With sessions designed for Adults, New Canadians, Entrepreneurs, and even School-Age Children, CPA Canada's comprehensive program provides objective, reliable information, in an easy-to-follow format.

Frequently Asked Questions

What is a Licensed Insolvency Trustee (LIT)?
Formerly called a “Trustee in Bankruptcy”, a Licensed Insolvency Trustee (LIT) can help individuals in financial crisis. Government Licensed, extensively trained, and highly experienced, LIT’s are the go-to professional for those who need to understand their options, and deal with their debt.
I don’t want to file bankruptcy, why should I talk to you?
A better question might be why shouldn’t you? Discussing your situation with a Licensed Insolvency Trustee (LIT) does not damage your credit, or reflect negatively on you. It shows you are trying to make an informed decision. We will never try to ‘sell’ you a bankruptcy. It is our goal to explain to you ALL of your options – where else can you get a free consultation and speak to a professional who understands exactly what you are going through? Call, email or message us today!
I DON’T want to lose my home, but I have too much debt. Are there other options?
That's why we're here – to discuss options. Federal, Provincial and Territorial law determines what a person can ‘keep’, and what must be included in a bankruptcy, and a Licensed Insolvency Trustee (LIT) can tell you how it applies to your unique situation. You may find that after discussing your concerns with us, you are surprised at what is, or is not, affected. Rather than guessing, call us to discuss your personal situation. Never assume that what happened to your friend or neighbour is what would happen to you – go straight to the source, and get advice from a professional!
How can an LIT help me?
We understand debt, and that even just talking about financial struggles can be intimidating. We cut through the worry, shame, and anger you feel about your situation. We outline your options, and the potential impact of the choices you make. We can be a listening ear and guide, as you seek to navigate your financial situation.
Do you offer financial counselling?
Of course! Licensed Insolvency Trustees (LITs) are trained to offer financial counselling as part of their extensive education program. Those who choose a bankruptcy or a proposal are required to complete two counselling sessions, however, we can provide financial counselling sessions, or financial literacy seminars for those who have not filed. Call, email or message us today to discuss booking a session!



(855) 352-FREE



Resident Office:

Unit 4, Office 2 – 940 Princess Avenue
Brandon, MB  R7A 0P6

By Appointment:

5016-47th Street
Yellowknife, NT X1A 1M1

Have an Urgent question? Text us at (204) 809-8946