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About Us

My name is Ralph Culp. I started as a Chartered Accountant in1976. I have been working in the bankruptcy and insolvency field since 1990, over 25 years now and it really is true, time does fly when you enjoy what you do.about

A friend drew me this cartoon. I  like the look of the “Trustee” in the picture. To me it seems to capture optimism and enthusiasm. I enjoy what I do. I can help people with debts they can’t pay. I can change the quality of their lives. When asked what I do I have said this. “I pick people up, dust them off and help them on their way.” and many have gone on to do very well.

Bankruptcy is not a bad word!

I have been helping people deal with unmanageable debt for over 25 years. During that time I have met many honest hard-working talented people who have found themselves in financial distress through no fault of their own. Plant closures, injury, sickness, marriage breakups and fraud all occur.

Back in Charles Dickens time, these people might well have found themselves in debtors’ prison, there to remain until their debts were paid.

Fortunately in our day we have the Bankruptcy and Insolvency Act, a Federal Statue, which deals with these situations in a more enlightened manner, offering protection to those who find themselves unable to meet the demands of their creditors.

Two solutions to unmanageable debt offered by the Bankruptcy and Insolvency Act are bankruptcy or consumer proposals. One solution is not better or worse than the other. Rather one or the other will be a better solution depending on the individual’s unique circumstances.

If you have unmanageable debt, you should give us a call. When I first started business I used to have a yellow page ad that said “It doesn’t cost anything to talk”. By this I tried to let people know that, without obligation, they could come in, discuss their situation confidentially with me, have all their questions answered and decide on the best course of action to solve the problem.

If you have a debt problem, that will not go away, please call us. Make an appointment and come and see me. The consultation is free and remember, “knowledge is power.”

We are a small firm by design.

Our goal is to give personal, professional service. Any Individual can come to us and discuss their situation in confidence. We are here to answer any questions you have and help you make a good decision. If we can’t help you, there’s no charge.

You decide whether we can help you or not.

As the cartoon suggests, I can give you a second chance. What you do with it, is up to you.

When your ready to talk about getting your second chance call us to book a free consultation at one of our three locations, Mississauga, Brampton or Grimsby.