Who We Are & How We Help Canadians Settle Debt and Rebuild Credit

• Banks routinely sell your debt to third parties without notifying you
• Assignment clauses in original agreements give you the right to request verification
• Creditors must provide legal proof of debt ownership upon request
• Most creditors cannot provide the required chartered accountant affidavits
• If they damage your credit without proving ownership, you can sue them

This documentation gap gives you the negotiating power to settle debt on your terms.

“Assignment of Our Rights: We may, at any time, sell, transfer or assign any or all of our rights under this Agreement. If we do so, we can share information concerning your Account with prospective purchasers, transferees or assignees.”

What This Means for You:

• All major banks (RBC, TD, Scotia, BMO, CIBC, etc.) can sell your debt at any time without your consent

• They routinely share your private financial information with debt buyers

• Once sold, the original bank may no longer legally own your debt

• The new debt owner must prove legal standing to collect

• If they report negative credit without proof, that’s false reporting

• Most debt buyers cannot provide the required documentation

• Legal Standing: Creditors who can’t prove ownership shouldn’t report to credit bureaus

• False Reporting Defense: You can sue creditors who damage your credit during disputes

• Documentation Strategy: We document your good faith efforts to resolve the debt

• Credit Restoration: We help remove illegitimate negative marks

• Dual Protection: Reduce your debt and protect/restore your credit at the same time