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  • Text a Trustee: 403-909-9572
Hardie and Kelly
Reduce Your Payments
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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:

      1. Contact Hardie & Kelly
      2. Develop an action plan.
      3. 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:

      CAROLE

      "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:

      1. Contact Hardie & Kelly
      2. Develop an action plan.
      3. 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 :

      JIM

      "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

        Jim

        "After my wife passed away, I found a place where I could be around people without ha ..."

        Read full story
      • SHARON

        Sharon

        "I had financed my hairdressing business for five years with credit cards and persona ..."

        Read full story
      • ANGELA

        Angela

        "We are both in our 80’s, with debts of $107,000.  With my husband's Alzheimer's d ..."

        Read full story
      • TINA

        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

        Helen

        "After my car accident, I couldn't work.  My debts were mounting, and I didn't know ..."

        Read full story
      • THOMAS

        Thomas

        "At 64, I was looking forward to retirement.  But with my wife gone, I couldn't keep ..."

        Read full story
      • KAREN

        Karen

        "I had $32,000 in debt, and wasn't earning enough money for the loan payments.  What ..."

        Read full story
      Previous
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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

      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

      How Debt Affects Your Life

      How is Debt Affecting Your Life? A recent National survey has found that 47% of Canadians believe debt has a negative impact on their lives including sleep problems, frustration, embarrassment, relationshipRead More

      Categories

      • Debt Tips
      • Options
      • Strategy

      Archives

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  • 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

      • ASSETS FOR SALE
      • 101285461 Saskatchewan Ltd.
      • 1093373 Alberta Ltd.
      • 1107129 Alberta Ltd. (o/a Black Wolf Express)
      • 1119658 Alberta Ltd.
      • 1219358 Alberta Ltd.
      • Action Restoration Group
      • Advantage Tower
      • Apache Superior Printing Ltd.
      • Apex Metal Industries
      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
      • bio_kevin_meyler
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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
      • Hardie & Kelly Logo
        • Hardie & Kelly Logo 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
      • Hardie & Kelly Logo
        • Hardie & Kelly Logo 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
      • bio_megan_mcpherson
        • bio_megan_mcpherson 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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Text a Trustee: 403-909-9572

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Cygnus Communications Canada Co.

Bankruptcy Proceedings

On October 15, 2008 Cygnus Communications Canada Co. filed an assignment in bankruptcy.  Hardie & Kelly Inc. was appointed as Trustee of the bankrupt estate.

  • Notice of Bankruptcy and First Meeting of Creditors
  • Statement of Affairs
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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
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  • Calgary, AB T2H0H2
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