Hardie & Kelly Start FreshStart Fresh

Get a fresh financial start through a personal bankruptcy, which is a legal process that will eliminate most of your unsecured debt. You will receive protection from the collection action of your creditors including wage garnishments and you will not lose everything.

Start fresh

Calgary Bankruptcy

Not sure if bankruptcy is for you? Our Calgary bankruptcy trustees can help you find the best solution to your debt problems, whether it is through a consumer proposal, personal bankruptcy or another debt solution.

Hardie & Kelly bankruptcy trustees (licensed insolvency trustees) are licensed by the federal government to administer consumer proposals and personal bankruptcies. Our role is to assist you in understanding your financial situation and the various options available to reduce or eliminate your debt.

What is Personal Bankruptcy

Personal Bankruptcy is a legal process regulated by the Bankruptcy and Insolvency Act (the “Act”) through which you may discharge most of your unsecured debt whilst receiving protection from the collection action of your unsecured creditors.

Benefits of Filing for Personal Bankruptcy

Bankruptcy can be the right choice, in some financial situations:

  • Wage garnishments stop
  • Protection from the collection action of creditors and collection agencies
  • Collection agencies will stop calling
  • You won’t lose everything

At the end of the bankruptcy process you will have a fresh start and control of your finances.

If you are unsure whether bankruptcy is right for you, there are other alternatives to bankruptcy. Our Calgary bankruptcy trustees can explain these options to you.

Contact us for a Free Consultation in Calgary or High River to review your options.



After my wife passed away, I found a place where I could be around people without having to talk to anyone: the local casino.  Eventually, I started gambling – within two years I had remortgaged my house three times, and had maxed out my credit.

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