We offer free initial consultations for people struggling with their debts. Through education we empower individuals and small business owners to make their own decision about how they wish to move From Financial Distress to Financial SuccessTM.

For each of us personal goals, values, and beliefs impact the decisions we make, and it is the same with financial decisions. We make room for the personal and emotional considerations when we are reviewing financial options - we meet the whole person - considering financial, emotional, physical, and mental health - and look for solutions that meets the needs of the whole person.

As a trusted partner to financial professionals, we work to provide unbiased advice for your clients seeking debt restructuring options so you can confidently know that they will receive an impartial education and the freedom to choose the option that works best for them given their goals, values and beliefs.

When there is a business involved the first step to review the finances of both the individual and the small business to determine to viability of each set of finances. It is important to also make an assessment of which business debts will become personal liabilities - when doing our assessment - through properly executed personal guarantees and statutory director and shareholder liabilities.

When you have a client that is facing financial difficulty it is important to be able to refer someone that you know will review all available options in an unbiased way and provide an apple-to-apple comparison of each option. Options can include continuing with your payment arrangements, making budgetary changes to continue payments, arranging informal settlements with your creditors, orderly payment of debts through Money Mentors in Alberta, bankruptcy, or proposal. Each option has its own pros and cons that should be considered so they can consider everything before making a choice about what works best for them.

Frederick & Company Ltd

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