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New Beginnings

New Beginnings Debt Consultants have developed a Debt Relief program that has helped people from all walks of life attain their financial goals. We continue to meet the needs of our clients through the evolution and adaptation of our debt-elimination and Consolidation programs. In the ever-changing Debt Relief industry, it is important to have someone by your side who will work for you and your interests, and not the creditors. Through a brief telephone consultation, our consultants and Legal Team experts can determine a Debt Consolidation program that will fit your needs and budget.

The process of seeking assistance will lead the individual in creating a plan of action. An evaluation of what obligations, how much, and why money is owed will allow the consumer to understand their situation better. This will also allow the individual to determine which Debt Relief program is best suited to meet their needs.

What To Ask Yourself Before Choosing A Debt Consulting Company
  • 1)Why should my family place our financial trust in your organization? Does your Consultant make you feel comfortable?

  • 2)Is your company locally owned or do you operate a Franchise of a company from a different Province?

  • 3)Does your company try to place you into a new high interest loan as part of a credit rebuilding or debt consolidation program? High interest loans may place you in a worse situation than when you started.

  • 4)Does your organization represent my interest in the Bankruptcy process or are you a Trustee who represents my creditors? Although it may seem as if a Trustee is representing you in the process, the Trustees primary objective is to maximize the amount of funds available to your creditors. (source: Office of the Superintendent of Bankruptcy Canada)

  • 5)Does your company provide real examples of successful Debt Elimination Programs?

  • 6)Does your company provide real testimonials from past clients who want to tell their story?

  • 7)What are your fees? Are there set-up and/or monthly fees? Get a specific price quote in writing.

  • 8)What are the qualifications of your representative? Are they licensed by the Law Society of Upper Canada? If not, do you want somebody who has not been properly trained and licensed dealing with your creditors? Some "Credit Counselors" claim they are "Licensed". However, Credit Counselors are not "Licensed" in any way and many make claims they are, which is misleading and unlawful.

  • 9)What services do you offer? Does the organization offer a range of services, including budgeting courses? Avoid organizations that push a debt management plan that you are uncomfortable with.

  • 10)In addition to helping me solve my immediate problem, will you help me develop a plan for avoiding problems in the future? Does your consultant help you re-establish your credit?


New Beginnings consultants assist their clients in two primary processes:

  • - Informal Proposals

  • - Debt Consolidation

In the Informal Proposal process, clients have the means to pay their creditors the minimum amount owed each month but are on, what we call the "never-ever plan". Being that it will take years to pay off the debt and at the end of each month, there is no money remaining for savings, investments or leisure. In this case, our consultants will refer the client to a Legal Expert who will contact the creditors on behalf of the client and in most cases eliminate a significant portion of the balance owed with real Debt Relief.

In a Consumer Proposal or Debt Consolidation program, clients are typically behind on paying back their debt to their unsecured creditors. In this case, a New Beginnings debt consultant will assess the situation, gather the necessary information and documentation, and present the client to a Licensed Trustee who will administer the Consumer Proposal and represent the Creditors. Results vary, but in most cases, our consultants can obtain up to 80% of Debt Relief. With a Consumer Proposal the client is able to Consolidate the majority of their debts, avoids Bankruptcy, and is afforded the opportunity to make a manageable, no interest monthly payment over a period of time, usually between 36-54 months

At the end of these processes, however, it should be noted that our relationship does not end. New Beginnings also offers to their client's budgeting classes as well as credit rebuilding. We understand that we live in a credit-driven culture. However, through a well-managed, realistic budget strategy and credit rebuilding, provides our clients a new lease on life and a New Beginning.

New Beginnings Consultants will Provide:

  • - Professional Service

  • - Industry Leading Debt Negotiators

  • - An individual plan of action

  • - Credit Rebuilding

  • - Superior Customer Service


Serving London, Windsor, Chatham and Sarnia

Windsor - 519-962-9536

1827 Gratiot Street, South Windsor, ON N9E 3S1

Office Hours: M-F 9am-5pm, Or By Appointment

1827 Gratiot Street, South Windsor, ON N9E 3S1

New Beginnings

Over the last 10 years we have helped hundreds of families find solutions to their debt problems. Helping people through difficult financial situations is our number one concern and are here to help our clients avoid bankruptcy, getting families into a manageable debt repayment program and providing a New Beginning.