Avoid Bankruptcy?

Debt Settlement Options

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Let’s say you have $30,000 in unsecured debt.
Here are some things you can do:

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Continue to make minimum payments at 18-25%, pay around $1050 monthly, and pay back a total of around $52,000.

Get a consolidation loan at 12%, pay around $800 monthly, and pay back a total of around $44,000.

Get an informal settlement via a credit counsellor at 7-15%, pay around $500 monthly, and pay back a total of around $39,000.

Submit a consumer proposal through a Licensed Insolvency Trustee at 0%, pay anywhere from $200-$350 monthly (on average), and pay back a total of around $9,000.

Use our handy debt settlement calculator to see how your bankruptcy alternatives stack up

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Our Services

Licensed. Legal. Legit.



A legal process in which all unsecured debts are discharged and (only) exempt assets are assigned to the estate.



A legal procedure (restructuring) in which a settlement is made with all unsecured creditors through a trustee and all assets are maintained.


Credit Card Debt

Is credit card interest killing you? Spinning your wheels? Let us reduce your balances and stop interest so you can clear that debt.


Consolidate Debt

Let Cooper & Co. negotiate a single monthly payment for all your debts with 0% interest.


Taxes Owing/CRA Debt

Owe income tax? Or HST or payroll tax for your company? We’ll negotiate a fair settlement for you with 0% interest and no penalties.


Stop Collectors

Collectors calling day & night? Cooper & Co. Ltd. are licensed to make them legally cease calling you.


Stop Wage Garnishees

Having wages garnished by creditors or CRA? Let us lift the garnishee & get your paycheque back to full strength.


Student Loan Relief

Getting nowhere with your student loan? Make a settlement for cents on the dollar through Cooper & Co. Ltd.


Stop Lawsuits

Has a court action been filed against you or threatened? Cooper & Co. Ltd. have legal authority to stop lawsuits.


Payday Loans

Are you in the Payday loan spin cycle? Let us help get you out.


High Tax Debt Settlement

Are you a professional who’s in deep tax arrears with CRA? We can arrange a legal settlement that fits your cash-flow. Discrete. Confidential.


Small Business Debt Restructuring

Own a small business with some debt? Need breathing room? A restructuring program can help. Free yourself to grow your business. Ask us how.


Business Debt Advisory

Need advice on how to structure your business debt? Learn the advantages. Avoid the pitfalls. Ask us.


Using your house as an ATM?

New mortgage rules mean you may not have easy access to remaining equity in your home at low rates anymore to help pay down debt. Keep your house & pay your debts. Ask us how.

Seniors in Debt

Over 65 and struggling with unexpected retirement debt? We hold a Certified Professional Consultant on Aging (CPCA) designation, and through our membership in groups like CARP & MOSM we’ve helped hundreds of seniors get their financial house in order. Ask us how.

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