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"Thank you all for helping guide us through our financial difficulties. The care and respect shown to us by all your staff was greatly appreciated."

~W&C M.

"I am back in control of my finances with your assistance. Your help made all the difference. Thank you!"


"I would like to thank you and your staff for making a situation that was personally uncomfortable better. Thanks a Million!!!!!!!"


"Just a note of thank you and appreciation for your time and helpful information."


"We appreciate everything that you have done for us and we are enjoying life so much more now. Everyone in your office has been so nice and helpful. Thanks for helping us to understand each step of our bankruptcy."


"Thank you for your wonderful support, guidance, patience, understanding and kindness. I am on the right path now with a fresh start. My son and I have a much brighter future and words could not express how thankful I am."


"A simple Thanks to everyone for all your help and support. You have changed by life from worse to a better one."


"A very kind and friendly voice……..I was already feeling very bad about my situation and she was very comforting. Thank you. "


"Thank you! We so appreciate that you have helped us through this crisis. We are starting to feel whole again and looking forward to spending our retirement in peace. Thanks again"

~R & M M

"I have learned to budget better and make my dollar go further. I admit that I still need and have room for improvement, however you and your staff have helped me considerably."


" I just want to wish Thank You for a job well done!!!!!"


"Thank you all for the help in the past, you are very nice people."


"Thanking you so much for your excellent service and making a pretty difficult year less difficult. Want to say all the best to you and your Company."


"Bankruptcy is a difficult thing for anyone to experience, there is shame, fear and financial hardship to endure. I would like to take this opportunity to applaud you all on making this process so much easier for us."


"Thank you so very much for all that you have done for us. You have given us a new start and we appreciate it very much."

~P&S D

"Thanks to Mr. Beverley and his staff for all your help."


"Thank you very much for pulling me out of the hole in 2007. My life is back on track…You’re a godsend."


"Thanks for all your assistance over the past year."


"This comes with appreciation for the thoughtfulness you’ve shown."


"Thank you for making a difficult situation not so difficult."


"Thanks a million. You have been very kind, and I am most grateful."


"I’d like to take the time to thank you very much for all your help your staff and Mr. Beverley have given me to help make this as painless as possible."


"Just a little note to say thanks so much for everything. Because of you all I have no more stress due to finances. You took away that big black cloud."


"I would like to Thank You and your staff very much for helping me through one more very difficult time of my life."


"Thank you for all your help and understanding. It is a great feeling being free from the noose of debt."


"Thank you for all your help during this past year. It has restored my faith and hope for a better future."

"Thanks for all your assistance over the past year and being helpful, this is a hard thing for me. Your telephone manner is so helpful in easing my concern. Thank You!!!!!!!!!!!!"


"I truly would like to thank you for all the help and wonderful service you have provided us. Thank you so much."


"I appreciate everything you’ve done and taught me."


"Mr. Beverley and Staff: Thank you so much everyone for your help in the past year. I was treated with compassion, kindness and understanding. I was reluctant to seek help, but in the future I would recommend your services to anyone. You were professional, yet explained things in a clear and simple manner. I am grateful to you all!"


"To all the AMAZING staff at John S. Beverley & Associates!!! Thank you for your support, understanding, patience, and education you have given me this year. You are all truly special people who have been a positive influence in my life. Thank you!"


"I just want to thank you again for your prompt attention to my situation. It was very much appreciated. Your efforts helped ease some of the stress of this difficult time."


"I want to “Thank You” for all your help and more."


"Thanks very much, I appreciate all you and your company have put into my file."


"When I think of all the things you’ve done, I simply can’t just stop with one……So Thank You again and again to Mr. Beverley and staff who helped us through a very difficult time of our life. We truly appreciate your extreme kindness."


"We want to Thank You and your team at Beverley & Associates for successfully negotiating our proposal"


"Thank you for all your help. I really appreciate it."


"You people are so very, very nice. You have helped me more than words can say. You are all totally appreciated!"


"Thank you very much for being so kind and so generous. You people have all made my life so much easier even when I thought I was guilty, you saw me as a victim which I really didn’t realize I was until I came to your business. I now feel like a butterfly set free. Thanks for everything."


"Thank you...for your kindness, help and respect, and for removing many stresses from my life, thus allowing me to begin again. You are so much appreciated."


"We would like to thank John S Beverley & Associates Inc. for giving us our lives back. The phone does not ring day and night and when it does ring there is a friendly voice on the other end. "


"Thank you all for your caring and kindness during a difficult time. I feel like I have my life back. Thank you...thank you!"

"I met with you last week in regards to my financial situation. Though you were really unable to assist me you did give me some great advice."


"Thanks for your help and guidance during the black times of our bankruptcy. You brought peace and a ray of color in a dark time."


"I have definitely benefited in the last year. I have been taught money management, patience and discipline. Thank you so much for making me debt free!"


"Thank you for all your team’s hard work!!!!!!!!"


"Thank you all very much for everything."


"Thank you for helping us through a difficult financial time and also a difficult personal time in our lives. It was nice to deal with people who have integrity."


"What you do in regard to helping people to maintain self respect while learning to cope and face the realities of their financial situation, goes beyond mere words. We have learned so much and our future will be better for those reasons."


"Thank you for your patience and help this past year."


"Your kindness was appreciated more than words can say…..Thank you very much…….I will never forget your kindness and competence in serving me."


"We appreciate the counselling and all the advice on our 2nd chance. Thanks for being there and giving us our “kick in the butt” when we needed it the most."


"Thanks for all your help, it’s a big weight off my shoulders."


"Thank you so much for helping me out here, from the bottom of my heart."


"Thank you for all your kind help."


"It was all worth it, everything is going good now and I’ve already recommended you guys to a couple different people."


"We want to take this opportunity to Thank You and all your staff for your exceptional, competent, and so friendly service that you rendered to us. We will gratefully remember the experience and remain at your service."


"Thank you for all the “hand holding” over the past year."


"To all the staff thank you very much for all your help and friendliness."


"Thank you for your assistance and professionalism, it has been greatly appreciated."


"I want to thank John and his staff, and in particular, Melody, for being especially understanding during an extremely difficult time for me. Without judgment and with a lot of caring, compassion and hand holding, they were able to see me through the entire process in a very stress free manner. I will forever be grateful."


10 Mistakes Frequently Made When Choosing a Solution for Your Debt Problems

1. Seeking Help from an "Inappropriate" Credit Counsellor

Your financial well-being is too important to entrust to just anyone. Be careful who you choose to trust. We regularly hear of bad experiences with counsellors who are incompetent or downright dishonest. The Better Business Bureau recently issued a warning to consumers to beware of certain credit counsellors. While not all credit counsellors are dubious it is difficult to know who you can trust.

Counsellors cannot help you if a bankruptcy is your only option, and they cannot help you to compromise tax problems.

Only a Licensed Insolvency Trustee can offer you all of the options you have available. We can offer you an often better process called a Consumer Proposal which involves a payment based on what you can realistically afford, not based on what you owe.

Both John Beverley & Melody Desmarais are Licensed Insolvecy Trustees, licensed by the Federal Government, to assist you to determine your best course of action and to help you through the process you choose to follow.

2. Believing that a Proposal or Consolidation Plan is Better for your Credit Rating

There is no doubt that a Bankruptcy is the worst option for your credit rating.

That being said, the damage caused by other options is not far behind, and doing nothing will likely eventually lead to a severely damaged credit rating also.

Do not let a Credit Counsellor convince you that a consolidation plan will be good for your credit rating.

Let us explain to you how the credit rating process works.

Recovering from a bankruptcy is often achievable much quicker simply because the process is over much quicker than other options.

3. Choosing a Consolidation Plan that is Destined to Fail

Debt counsellors are unable to help you to reduce the amount you owe to your creditors.

A Proposal under the federal government’s legislation can dramatically reduce the total amount you pay to your creditors. A Proposal is tailored to the amount you can afford to pay, not to the amount of your debt.

Only a Licensed Insolvency Trustee can offer you such a Proposal.

4. Seeking the Help of an Inexperienced Trustee

Many Trustees work alone in small offices and have limited experience.

John S. Beverley & Associates has been helping people with financial difficulties for almost 30 years. Our staff have over 100 years of combined insolvency experience.

Let us use our experience to help you choose the best solution for your individual problems and to help ensure you receive the best possible advice.

5. Delaying the Decision to Talk to a Licensed Insolvency Trustee

Many people choose to wait too long before seeking the help of a licensed professional. In doing so they often suffer needlessly from asset seizures or wage garnishees which could have been avoided. We can help you to save your house, your vehicle and your wages but don’t wait until it is too late.

Call us today.

6. Entering into an Inappropriate Proposal

A Proposal to creditors is a very good option to resolve an overwhelming debt load but it is not the best option for everyone. A Proposal will be tailored to your specific income not the amount of your debts.

People frequently choose to file Proposals that are destined to fail, only to find themselves needing to file for bankruptcy later.

Let us help you to ensure that a Proposal would be your best option. For many people bankruptcy is a better option. We can explain why.

7. Liquidating Assets to Stay Afloat

Many people delay the decision to seek professional help too long. In doing so they frequently liquidate assets that they would have been able to retain.

The best example is collapsing RRSP’s to pay debts. Most people are unaware that RRSP’s can be retained.

Let us help you to determine an option that allows you to retain as much as possible of your valuable assets.

8. Trying to Keep Assets you Can't Afford

Many people who obtain advice from Counsellors or less experienced Trustees choose to retain assets which they can’t afford and which hampers their ability to truly recover financially. Sometimes these decisions can lead to ongoing problems or to the need for a subsequent bankruptcy.

Let us help you to determine whether it is in your best interest to retain a home or vehicle that may not realistically be affordable for you.

9. Using Credit to Pay Debts

Some credit decisions made in haste or under pressure will subsequently be found to have been bad decisions. Do not be pressured by creditors to give them assets as security, get a co-signer, or liquidate an asset to satisfy them, without the benefit of professional advice.

Some decisions can be more serious such as borrowing from one credit card to pay another, which is considered fraudulent.

Allow us to help you to avoid these unhelpful decisions. Call us today.

10. Failing to Claim your Exemptions

The government allows you to retain many important assets when you file for bankruptcy.

Let us help you to ensure that you are claiming all of the assets you would be allowed to retain.

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