Filing Bankruptcy in Kelowna B.C. & Area

If you are considering filing bankruptcy in British Columbia, contact one of our trustees to help.

We Can Help STOP

  • Debt Stress
  • Being Harassed by creditors
  • Receiving Calls from collection agents
  • Wages being Garnished
  • High Tax Debt
Contact us for a FREE "Know Your Alternatives" consultation.

Filing Bankruptcy in Kelowna

We are a fully Licensed Insolvency Trustees with a local office in Kelowna and several other locations throughout the Province of British Columbia.

If you are considering filing bankruptcy or are in current financial difficulty and you live in Kelowna or surrounding areas, learn more about our services below.

What We Are Noticing in Kelowna:

High cost of living in Kelowna causing financial struggles.

Although Kelowna’s cost of living is still lower in Kelowna than, say, Vancouver, it’s rising rapidly.  This results in increases in expenses such as household rent.  For those just starting out in the real estate market with a low down payment, it can mean a significant monthly payment for their mortgage.  When housing costs exceed 30% of a family or individual’s monthly take-home pay, this often forces people to  use unsecured debt products to cover car repairs and other monthly expenses, as well as expenses relating to unexpected emergencies.  The problem is that as the unsecured debts build, people may struggle with meeting monthly payment obligations which result in even more use of credit.  This can be a vicious cycle, an unending spiral of potentially crippling debt.

If you find yourself struggling with your debt, contact a Licensed Insolvency Trustee at D. Thode & Associates Inc. for a free consultation to find out your options.

D. Thode & Associates Inc., Licensed Insolvency Trustees.

Contact us for a FREE "Know Your Alternatives" consultation.

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At least in the short term, many retail employees will face the precarious reality of lower earnings, lower commissions, and difficulty in finding long-term stable employment, resulting in a struggle to cover living expenses and maintain regular payments to creditors. When you are barely making ends meet, it becomes more and more challenging to see a large portion of your debt payments applied to interest and your balances not being reduced. 

If you face financial difficulties due to loss of income and need a fresh start, find out the best options available to help you get out of debt for good.

Bankruptcy Consultation

Individuals who are unable to meet their debt obligations can file for bankruptcy under the Bankruptcy and Insolvency Act (Canada). This process can be stressful. We have the expertise to guide individuals through the process and make sure that you understand your rights.


Popular Bankruptcy Questions

You will have relief from all of your creditors. When you file for bankruptcy, your trustee will see that you no longer have to worry about or deal with your creditors directly. You may also benefit from the termination of wage garnishment, if applicable. The bankruptcy process is designed to get you back on your feet more quickly, relieving you of financial stress.

Your trustee will handle all aspects of the bankruptcy process on your behalf. This includes drafting legal documentation, dealing with creditors, setting personal budget and payment schedule, and distributing assets.

Once your bankruptcy documents are filed, you will continue to work with your trustee to set a personal budget and meet your debt obligations. Until your debts are met your financial flexibility may be limited. This can be challenging but it is imperative to meet your obligations and discharge your bankruptcy as soon as possible.

Get more Answers to your questions on filing Bankruptcy

Kelowna B.C. Offices

1980 Cooper Rd. #220, Kelowna, BC V1Y 8K5
Call Us: 250-712-5353

Directions to Kelowna Offices: The Kelowna office is located in Orchard Plaza on the North West Corner of Cooper and Springfield, we are in the 2 storey office build across the parking lot from Winners, above Wine Kitz. – Suite 220.

Please note: We also provide bankruptcy consultation and debt counselling out of the Kelowna Office and the following locations: CranbrookPrince GeorgeVernonWest KelownaFort St. JohnSalmon ArmLake CountryDawson CreekTerraceSummerlandNelsonWilliams Lake, Quesnel.

Learn Your Alternatives


Applying for personal bankruptcy releases you from your debts and gives you a fresh financial start. We’ll help you prepare documentation for bankruptcy and walk you through the process.

Consumer Proposals

Let us negotiate a payment plan for you though the filing of a consumer proposal. You don’t have to file for bankruptcy. Pay your creditors on a modified payment schedule with no further interest.

Debt Help

Get started today. Download and complete our convenient online application form and bring it with you to your next appointment and save time.

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