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Serving Canadians in All Provinces.
Avoid Bankruptcy – Get Debt Free

We deal with your creditors and eliminate your debt.

Avoid the harmful effects of a consumer proposal or bankruptcy. There is another way and it’s called Debt Settlement.

GEM can negotiate settlements with your creditors to reduce your debt; typically, by as much as 60% or more and we pass these savings onto you.

More money to support family

Extra funds to enjoy life

What is Debt Settlement?

Debt Settlement involves negotiating with creditors or collection agencies, for the purpose of obtaining an agreement for a reduced payment of the debt.

In other words, approached properly and methodically, creditors may be willing to accept a much lesser amount to settle and closeout your outstanding accounts.

You pay less, save money and the collection calls stop.

Customer Focus

Our focus is defending you

We help create a budget that is easy to follow.

Stop the phone calls

Creditors harassing you?

We will order them to contact us instead.

The best deal

We negotiate big savings

We have achieved for our clients up to 80% off.

Credit Rehab

Improve your credit

Creditors harassing you?

Client Stories

Adara’s salary was being garnished and she was behind on bill payments. We came up with a debt resolution plan that enabled us to approach her creditors and negotiate settlements for much less than the amounts owing. Adara was thrilled to pay only a small percentage of each outstanding debt. Today, she is debt free, her garnishment has stopped, and she is actively improving her credit rating.

Adara

James runs his own reno and repair company. He was struggling to pay his subcontractors on time, while still having enough to paydown the business loans. We convinced James that bankruptcy was not the answer: harmful to your reputation and a hindrance to future revenue growth. Then, we strategized a full financial restructuring and negotiated massive reductions on the amounts owing for each of James’ business loans. James has since hired two more subcontractors and his company is fully booked for new projects a year in advance.

James

Jerome tried confronting the collection agents, but concerns grew when they began asking very personal questions. We made the collectors’ calls stop immediately. Next, we formulated a plan unique to Jerome’s financial situation and persuaded his creditors to accept far less than the total outstanding debt. This was all achieved without a consumer proposal and Jerome was able to begin rebuilding his credit, without any financial constraints.

Jerome

Client Stories

Adara’s salary was being garnished and she was behind on bill payments. We came up with a debt resolution plan that enabled us to approach her creditors and negotiate settlements for much less than the amounts owing.

Adara was thrilled to pay only a small percentage of each outstanding debt. Today, she is debt free, her garnishment has stopped, and she is actively improving her credit rating.

Adara

James runs his own reno and repair company. He was struggling to pay his subcontractors on time, while still having enough to paydown the business loans.

We convinced James that bankruptcy was not the answer: harmful to your reputation and a hindrance to future revenue growth. Then, we strategized a full financial restructuring and negotiated massive reductions on the amounts owing for each of James’ business loans.

James has since hired two more subcontractors and his company is fully booked for new projects a year in advance.

James

Jerome tried confronting the collection agents, but concerns grew when they began asking very personal questions.

We made the collectors’ calls stop immediately. Next, we formulated a plan unique to Jerome’s financial situation and persuaded his creditors to accept far less than the total outstanding debt. This was all achieved without a consumer proposal and Jerome was able to begin rebuilding his credit, without any financial constraints.

Jerome

Kasha wanted to keep her home where she raised her family, but there were multiple liens on title and Power-of-Sale proceedings were underway.

We contacted the Court and Sheriff to put a halt on the property seizure. Then, leveraging Kasha’s personal network, we presented enticing settlement offers to her creditors and settled-off each debt for a fraction of the lien amount.

This allowed Kasha to continue life as a homeowner and regain financial stability, together with peace of mind as a parent.

Kasha

Every client, no matter their debt amount, benefits tremendously from our Debt Resolution Program – customized to their financial circumstances.

Committed to Helping Our Clients Get Out of Debt.

We negotiate the terms of your debt with each of your creditors and strive to settle-off your debts for lesser amounts than what is owing.


This saves you thousands of dollars and puts you on a path toward full financial recovery.

Contact Us

We have brought together a team of legal and financial professionals, bolstering our expertise and reputation as a debt settlement firm.