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403-777-9999
Text a Trustee: 403-909-9572

Reduce Your Payments

What to Expect
How to Choose a Licensed Insolvency Trustee or Credit Counsellor
FAQ’s
Steps
Cost of our services

FAQ
Steps
What to expect
Alternatives to Bankruptcy

Success Stories

Tips for Dealing With Stress
Stories
How to Rebuild Your Credit

Relief From Debt Blog

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Reduce Your Payments
- Consumer Proposal
  
  Reduce your payments without going bankrupt? Yes, it is possible! A Consumer proposal is a settlement of your debt resulting in a smaller, more manageable payment. It is tailored to the ability of an individual and means that you will only pay a portion of the debt outstanding without any ongoing interest, penalties or upfront fees.
  Steps:
  
  Contact Hardie & Kelly
  
  Develop an action plan.
  
  Put your plan into action.
  
  Learn more
  What to expect:
  
  What to bring to your first meeting
  
  Protecting your privacy
  
  Dealing with stress
  
  Forms
  
  How to choose a counsellor
  FAQs
  
  Q: What are the fees for filing a Consumer Proposal?
  
  A: There are no additional costs to you in addition to your agreed upon Proposal payments. The fees for a Consumer Proposal are legislated in the Bankruptcy & Insolvency Act. The fees are deducted from the payments you make into the Consumer Proposal.
  More FAQs Ask Us a Question
  Carole's Story:
  
  "I came to Hardie & Kelly to find help for a solution to my financial problems; I have found the solution and people who have cared about me as a person. They have worked hard to ensure that my quality of life is back." - says Carole
  Read full story
Start Fresh
- Bankruptcy
  
  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.
  Steps:
  
  Contact Hardie & Kelly
  
  Develop an action plan.
  
  Put your plan into action.
  
  Learn more
  What to expect:
  
  What to bring to your first meeting
  
  Protecting your privacy
  
  Dealing with stress
  
  Forms
  
  Alternatives to bankruptcy
  FAQs
  
  Q: How much does bankruptcy cost?
  
  A: Trustee fees, filing fees, and counselling fees are regulated by the government. The Trustee is usually paid out of the funds from the liquidation of your assets. If you have no assets available, you must make a monthly payments to pay the Trustee’s fees and disbursements. In the simplest cases, and if you have not been bankrupt before, this amounts to about $1,420 plus counselling costs and GST (roughly $1,800 in total). Hardie & Kelly Inc. offers payment plans that allow you to make payments over a period of time.
  More FAQs Ask Us a Question
  Jim's Story :
  
  "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." - says Jim
  Read full story
Success Stories
- Success Stories
  
  Right now, your financial situation may seem overwhelming or even hopeless. But nothing could be further from the truth. We've helped hundreds of people in situations just like yours. Today, thanks to our services, they've rebuilt their finances - and their lives are back on track.
  Jim
  
  "After my wife passed away, I found a place where I could be around people without ha ..."
  Read full story
  
  Sharon
  
  "I had financed my hairdressing business for five years with credit cards and persona ..."
  Read full story
  
  Angela
  
  "We are both in our 80’s, with debts of $107,000. With my husband's Alzheimer's d ..."
  Read full story
  
  Tina
  
  "I lost my job and I lost my home. That's tough when you're a single mom. ..."
  Read full story
  
  Robert
  
  "My finances had spiraled out of control with high interest and penalty charges. Ther ..."
  Read full story
  
  Helen
  
  "After my car accident, I couldn't work. My debts were mounting, and I didn't know ..."
  Read full story
  
  Thomas
  
  "At 64, I was looking forward to retirement. But with my wife gone, I couldn't keep ..."
  Read full story
  
  Karen
  
  "I had $32,000 in debt, and wasn't earning enough money for the loan payments. What ..."
  Read full story
  
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  How to Rebuild Your Credit:
  1. Control your spending.
    
    Understand the difference between a need and a want.
    
    Ensure that you pay your bill and loan payments in-full and on time.
  More Tips on Rebuilding Your Credit Tips for Dealing With Stress
Relief From Debt Blog
- Understanding your options is a powerful way to reduce your stress. Read these posts, and then call
  
  8 Common Alberta Tax Questions
  
  Still haven’t filed taxes or unable to pay your tax bill? Our Calgary Licensed Insolvency Trustees can help! We can help solve your problems with the Canada Revenue Agency (CRA).Read More
  
  Debt in Retirement
  
  Many Canadians in their Golden Years are getting poorer. More Seniors in Canada are carrying debt into retirement, including mortgages, car loans and credit card debt. The debt is often incurredRead More
  
  Payday Loans: Break the Payday Loan Cycle
  
  Experiencing a financial emergency or finding that your pay cheque is simply not stretching to the end of the month and you’re short on cash? Resorting to payday loans is rarelyRead More
  Categories
  Archives
Business Solutions
- Our expertise and skill in handling corporate bankruptcy is top tier, but our rates are highly competitive thanks to our boutique firm approach. We provide our very best counsel and service for each client regardless of their size.
  About Hardie & Kelly
  
  Our Team
  
  Why Us
  
  Case studies
  Services
  
  Business Proposals
  
  Business Bankruptcy
  
  Learn More
  Case Study : Canadian Superior Energy Inc., et al
  
  Hardie & Kelly acted as the Court appointed Monitor of the Canadian Superior Energy Inc. (“CSEI”) group of companies. CSEI operated as an oil and …
  Read more
  Current Engagements
  All Engagements
About Us
- At Hardie & Kelly, we're Calgary born and bred. Not only are we based in Calgary, but our decisions are made in Calgary in the best interest of our Calgary clients -- not a distant corporate head office.
  
  Our Philosophy What We Offer Our Team
  
  Calgary Connections
  
  Personal Insolvency Practice Hardie & Kelly is a Calgary owned and operated firm offering debt solutions to individuals and businesses in the Calgary and Southern Alberta region. We have some of the most experienced people in Calgary available to offer personal ...
  Learn more
  Our Team:
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    Marc Kelly, CPA, CIRP
    
    Marc qualified as a Chartered Accountant in 1992 and has practiced exclusively in the insolvency field since that time providing advice and assistance to individuals and businesses experiencing financial difficulties.
    Read more
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    Kevin Meyler, CPA, CIRP
    
    Licensed Insolvency Trustee Prior to being admitted as a partner with Hardie & Kelly in January 2012, Kevin was a Vice President in the transaction …
    Read more
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    Ronald Hardie, CPA, CIRP
    
    Licensed Insolvency Trustee Ronald earned his designation as a Chartered Accountant in 1976 and has been practicing exclusively in the area of insolvency and restructuring …
    Read more
  - string(0) "" Email
    
    Marie Kozlowski, CIRP
    
    Marie is a Chartered Insolvency and Restructuring Professional and Licensed Insolvency Trustee with over 30 years’ experience in the Insolvency field in Calgary.
    Read more
  - string(0) "" Email
    
    Charla Smith CPA, CIRP
    
    In 2008, Charla began her career in the insolvency field, supporting troubled companies and individuals looking to turn their financial situation around.
    Read more
  - string(0) "" Email
    
    Megan McPherson – Estate Administrator
    
    With years of experience as a Certified Insolvency Counsellor
    Read more
Contact Us
- Calgary South
  
  110, 5800 2nd Street SW
  
  Calgary, Alberta T2H 0H2
  
  Phone : 403-777-9999
  
  Fax : 403-640-0591
  
  Free Parking
  
  Wheelchair Accessible
  
  Get Directions
  
  Calgary Northeast
  
  615, 433 Marlborough Way NE
  
  Calgary, Alberta T2A 5H5
  
  Phone : 403-777-9999
  
  Fax : 403-640-0591
  
  Free Parking
  
  Wheelchair Accessible
  
  Get Directions
  
  Calgary Northwest
  *non-resident office - by appointment only
  
  1816 Crowchild Trail NW, One Executive Place Suite 700
  
  Calgary, Alberta T2M 3Y7
  
  Phone : 403-777-9999
  
  Fax : 403-640-0591
  
  Free Parking
  
  Get Directions
  
  FAQs
  
  Q: What happens to my assets in a Consumer Proposal? Will I lose my house or my car?
  
  A: No. When you file a Consumer Proposal you are able to keep all of your assets.
  
  Consumer Proposal FAQs Bankruptcy FAQs Ask Us A Question

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Reduce Your Payments
What to Expect
How to Choose a Licensed Insolvency Trustee or Credit Counsellor
FAQ’s
Steps
Cost of our services

Start Fresh
FAQ
Steps
What to expect
Alternatives to Bankruptcy

Rebuild
Tips for Dealing With Stress
Stories
How to Rebuild Your Credit

Relief From Debt

Business Solutions
About Hardie & Kelly
Services
Current Engagements
Archived Engagements

Hardie & Kelly Inc.
Licensed Insolvency Trustees
110-5800 2 St SW
Calgary, AB T2H0H2
403-777-9999

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