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Declaring Bankruptcy in Ontario?

Too often people use debt to makes ends meet and it can get out of control quickly. Debt problems are much like health problems – if you ignore them, they can get worse. Get an objective point of view to help resolve your debt issues.
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Consumer Proposals

A Consumer Proposal is an offer to pay all of your unsecured creditors on payment terms you can afford. McLay can help assess your situation to see if a Proposal is right for you.
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Choosing bankruptcy as the best solution to your financial problems is not easy, but it can help you start again and relieve the pressure of severe debt. We’ll help you understand all options so you can make the decision that’s right for you.
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Credit Test icon Credit Test

Answer a few simple questions and our online credit test will give you tips and suggestions on how to help improve your current financial situation.

Debt Calculator icon Debt Calculator

Our handy online tool lets you quickly and easily calculate your debt repayment ability.

Budget Form icon Budget Form

Where does it all go? One of the ways to plan for a successful financial future is to understand where you are today. Use this form to help track your spending.

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Call 310-FREE (3733) or locally at 519-433-6703
Or email us at for a FREE assessment of your financial situation and get the help you need to free you from debt and let you start again.

Welcome to McLay: Ontario’s Finest Trustees in Bankruptcy

Debt is like being in an avalanche. With more and more snow piling on you as time passes, eventually you become buried. But, what if there was a way to clear away the snow (or debt) and make a new start?

There is, with solutions from McLay. We help you with declaring bankruptcy in Ontario, filing consumer proposals, and finding debt solutions. When you can’t find a way to dig yourself out of the avalanche of debt, turn to our experts and slam the door on your debt problems for good.

Find debt relief with these solutions:

Debt Advisement

When you’re trying to make ends meet, it’s easy to get into debt. Whether due to a tragic event such as an illness or job loss, or simply due to the accumulation of debt over time, getting into debt can happen to anyone. We’re here to provide a solution. Start with our free online tools, such as the debt calculator and the household budget tool.

If your debt is severe enough that you are at the point of filing a consumer proposal or bankruptcy, our advisers will help you with a solution that will keep you out of debt in the future.

Consumer Proposals

A consumer proposal may be the best solution for some of our clients. This is when you negotiate payment terms with your creditors. You must work with one of our administrators in order to file a consumer proposal.

Consumer proposals are beneficial because they stop legal actions and collection actions against you. Payments continue over a period of 5 years or less.

Bankruptcy Advisement

If you’re ready to completely start over, our advisers can help you declare bankruptcy. In Ontario, declaring bankruptcy does not need to be scary. Instead, it can provide a debt relief solution.

With the help of our advisors, you can enjoy debt relief in about 9 months. We will help you determine if bankruptcy is right for you and walk you through the process.

Contact Us

Don’t let the avalanche of debt bury you alive. Contact McLay at 519-433-6703 to connect with the office nearest you, and start working towards debt relief today!

We offer all of our amazing services at all of our five locations. Be sure to visit any one of our locations in St. Thomas, Chatham, London, Woodstock, and Tillsonburg. Visit us at the office closest to you!