Debt Consolidation

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Over the years we have helped thousands of people solve their money problems. No matter how bad your situation, we can help.


If high-interest debt is catching up with you, Kevin Thatcher & Associates knows how to help.

Debt consolidation will help free you from multiple high interest payments by consolidating your debt into one manageable monthly payment. When done with us, such a debt consolidation is called a proposal.

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Debt consolidation is basically making a deal with your creditors to manage your debt. This can be done at a bank or lending institution; it can also be done through a licensed insolvency trustee as a consumer proposal. The difference, of course, is that a trustee’s debt consolidation eliminates interest and often you only pay back a percentage of what you owe.

The result is you saving money by either offering less than the total amount or not having to pay the original (often high) interest that comes with debt such as credit card balances and other financial commitments. While this may seem a bit technical, what it comes down to is control – letting you get a better handle on your debt and giving you more financial breathing room and lower your monthly payments.

Not sure if you could benefit from going through a debt consolidation process tailored to your unique situation by one of the experts at Kevin Thatcher & Associates?

Give yourself a financial self-check up and see if you recognize any of the following tell-tale signs of debt difficulties:

  • Are you often late on making your monthly payments or playing catch-up on payments for months prior?
  • When you do pay your credit card bill, you are only able to pay the bare minimum amount? (This is something the big banks love as it means you will pay more in interest. Check your credit card bill it will tell you how long it will take to pay it off – you may be shocked!)
  • Are basic day-to-day expenses such as groceries and gas paid for using credit cards, not cash?
  • Do you find that more than 20 percent of each pay cheque ends up being used to pay down debt?
  • Do you take money from one creditor to pay another?

It can be a bit sobering to take the pulse of your finances. For some, it’s an eye opener – and not in a good way. However, there is light at the end of the tunnel. By consolidating your debt and making a deal with your creditors, you’re lightening your load of financial commitments and speeding up your arrival at a debt-free life. Another benefit of a consumer proposal consolidation is no longer needing to juggle multiple bills each month, instead that is replaced by one simple payment.

If you want to learn more about how a debt consolidation from Kevin Thatcher & Associates can help you, give us a call or email us to schedule a free appointment at one of our many offices conveniently located across Toronto & Southern Ontario.

Susan Banasco

Extremely professional service by Mr. Thatcher and his team. Mr. Thatcher and his team were always available and quick to answer any questions concerning bankruptcy. I would highly recommend this company to anyone that would require his services!

Isabel K

I have worked with Kevin and his office for many years and would recommend his services to anyone who is having financial difficulties. He is very professional and has spent many years helping people get out of tough debt situation.

Sara C

The staff at Kevin Thatcher & Associates are incredibly understanding, non-judgmental people who honestly advised me of all my options before I chose to go bankrupt. I was surprised at how easily they broke down the process for me step-by-step so I was able to meet all the requirements.

John D

I just wanted to thank everyone at Kevin Thatcher and Associates for their help. I was at wit's end and couldn't cover most of my bills. I was afraid to answer the phone ever as it might be another collector calling! I was so depressed.

Caroline C

I was looking for a bankruptcy firm and was recommended Kevin Thatcher and Associates. I initially spoke with his pleasant and knowledgable staff(Anna) over the phone. I was very impressed by her and her soft approach being in a difficult situation.

Sean C

Very kind, caring and helpful group at Kevin Thatcher and Associates.

Alan S

I was in a real bind with a lot of debt from credit cards and payday loans but I met with Kevin and his staff were very understanding of my difficulties paying. I paid for 21 months under these federal income rules, but was way cheaper than if I did nothing.

Elizabeth E

Staff is extremely kind and knowledgeable! They took a stressful situation and made it more manageable, so thankful for their expertise.

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