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Janes & Noseworthy
 
 
Overview: 

MONEY PROBLEMS?
NEED RELIEF FROM DEBT?
WE CAN HELP!

FOR A FREE INITIAL CONSULTATION CALL ONE OF OUR OFFICES TODAY.

Janes & Noseworthy is Newfoundland & Labrador's largest group of personal debt experts. We are a Newfoundland firm specializing in personal debt solutions for consumers. Our services are provided throughout Newfoundland and Labrador from offices in St. John's, Corner Brook, Grand Falls-Windsor and Marystown.

GET A FRESH FINANCIAL START AND BUILD A SECURE FINANCIAL FUTURE.

We are available to assist you - call today to learn your options, some of which may be:

   a Consumer Proposal governed by the Bankruptcy and Insolvency Act
   arrangement with creditors
   debt consolidation loans or refinancing
   personal bankruptcy

Janes & Noseworthy Limited is associated with Noseworthy Chapman Chartered Accountants and is a member of DFK Canada, an association of accounting and consulting firms.



Our Trustees are licensed and experienced professionals who provide options to best solve your financial problem. The initial interview, either by telephone or at one of our offices, is free.

During the initial consultation we assess your financial circumstances and review with you the solutions best suited to your situation. The consultation is free and confidential.

WE'LL ASSIST YOU IN GETTING BACK ON TRACK AND IN FINANCIAL CONTROL.

If personal bankruptcy is the option necessary to resolve your problems you are permitted to keep certain items that you own.



In Newfoundland and Labrador the Bankruptcy Exemptions are:

   Food required by debtor and dependants during the next 12 months;
   Registered Retirement Savings Plans (RRSP) and Registered Pension Plans (RPP);
   Medical and dental aids required by debtor and dependants;
   Domesticated animals which are kept as pets and not used for business purpose;
   Fuel or heating as a necessity for the debtor and his or her dependants;
   Clothing of the debtor and his or her dependants, of a value totaling $4,000;
   Appliances and household furnishings (which are defined as washing machine, clothes dryer, "reasonably necessary" bedroom suites and bedding, oven and stove top burners, "necessary" dishes and kitchen utensils, and "necessary" strollers, cribs and highchairs), of a value totaling $4,000;
   Motor vehicle of the debtor, value totaling $2,000;
   Items of a sentimental value to the debtor, a value totaling $500;
   The debtor's equity in his or her principal residence, $10,000;
   Personal property used by and necessary for debtor to earn income from occupation, trade, business or calling, $10,000.

Personal Bankruptcy or a Consumer Proposal will put an end to:

   Creditors Calls and Collection Notices;
   Revenue Canada tax collections;
   Wage attachments;
   Asset seizures.


 
 
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