What Does a Debt Consultation Involve?

Sep 3, 2025 | Credit Counselling

Written by C. Buhler & Associates Ltd.

Written by C. Buhler & Associates Ltd.

When facing overwhelming debt, one of the most important decisions you can make is choosing the right professional to guide you through the process. At C. Buhler & Associates Ltd  (www.debtfreenorth.com), we believe that expertise, integrity, and compassion are the cornerstones of financial recovery. That’s why we’re proud to introduce our founder and Licensed Insolvency Trustee, Crystal D. Buhler.

A Career Built on Helping People

Crystal brings more than two decades of experience in accounting, finance, and insolvency to her work. She is a Chartered Professional Accountant (CPA), a Fellow of the Chartered Professional Accountants (FCPA), and a Licensed Insolvency Trustee (LIT) recognized by the federal government to administer bankruptcies and consumer proposals in Canada.

Her unique combination of technical knowledge and empathetic, non-judgmental guidance allows clients to feel confident that they are not just meeting the legal requirements of insolvency, but also receiving personalized advice for their financial future.

Recognized Expertise and Leadership

Crystal’s professional contributions have been widely recognized, and honored by the following designations and awards:

  • FCPA designation – awarded to CPAs who demonstrate exceptional leadership, integrity, and service to the profession.
  • CIRP (Chartered Insolvency and Restructuring Professional) – demonstrating her specialized knowledge in insolvency and restructuring.
  • Outstanding Volunteer Award (CAIRP) – recognizing her commitment to improving financial literacy and supporting her community.
  • New Member’s Award (CAIRP) – recognizing her contributions and dedication to the profession in the first 5 years of practice.

Her leadership extends beyond her firm. Crystal has volunteered with national professional associations, mentored young professionals, and advocated for fair, accessible insolvency processes for Canadians from all walks of life.

A Local Perspective with Northern Reach

Born and raised in Manitoba, Crystal saw first-hand the challenges families and businesses faced across the province. Her advocacy and understanding continues — for those in the south of the province, such as Winnipeg and Brandon, reaching up to the northern and remote communities throughout. C. Buhler & Associates Ltd. has regional offices and offers free virtual consultations, ensuring that you can access professional debt relief services with the same care and respect, no matter where you live.

Why Credentials Matter in Insolvency

In today’s digital age, it’s easy to find debt advice online. But not all sources are regulated or trustworthy. Only a Licensed Insolvency Trustee is federally regulated and empowered to administer legal solutions like Consumer Proposals and Bankruptcies in Canada.

By working with Crystal and her team, you know you are receiving advice from a qualified, accountable professional who has both the credentials and the compassion to help you find a fresh financial start.

A Message from Crystal

“I believe that financial difficulties do not define a person. Every client I meet is capable of rebuilding and thriving once they have the right tools and support. My job is to make sure they understand their options clearly and feel empowered to take the next step.”

Start Your Journey to Debt Freedom

If you or someone you know is struggling with debt, you don’t have to face it alone. Reach out to Crystal and her team at www.DebtFreeNorth.com today for a confidential consultation.

📞 Toll-Free: 1-855-352-3733
🌐 Website: debtfreenorth.com

Similar Articles