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About Par-O-Law Canada Inc.

Par-O-Law Canada under the leadership of its founder and CEO, Bill Lutton, has pioneered the field of Financial Default Management™ in Canada.

We understand that most people will pay their debts if they can. We also understand that things happen — layoffs, an injury, marriage breakup, illness or many other life changing events which can shatter even the best budgetting work.

Our aim is to put you back in control of your money.

Most people will experience a financial crisis at some point in their lives. Don't try to hide yours, early recognition and getting qualified help can make a huge difference in how quickly you get back on track.

If you are under financial stress for any reason, you should seek professional assistance. At Par-O-Law we have more than one remedy to solve a problem.

Many Trustees and Credit Counsellors are advising almost everyone today to file a Consumer Proposal. This type of filing can prevent Bankruptcy for some people.

Debt restructuring is another remedy to avoid Bankruptcy, and so is an Informal Proposal.

There are in fact many alternatives to Bankruptcy and Insolvency. That's why you need a Professional Agent to provide you with all your options.

Consider this:

Trustees by law must respresent the interests of the Creditors first and foremost. At Par-O-Law, we represent the Debtor Exclusively.

Credit Counsellors also have a mandate. Theirs is to reduce the number of bankruptcies being filed each year. That is why some services are free to the public.

Think about it — they're not running a charity program, they are being paid by the Government to help keep bankruptcy numbers down. Some in fact, charge an additional fee based on a percentage of the debt.

These fees that you pay will soon offset any frozen interest rates.

At Par-O-Law, we are neither Trustees nor Credit Counsellors, we are Paralegals (A person qualified to provide a legal service who is proficient in their area of specialty) and we carry Errors and Omissions Insurance thereby protecting all our clients against any potential irregularities.

Visit the Consumer/Debtor area to learn more.