Is MNP Ltd. sharing an office with a debt consultant in Barrie, Ontario?

 

MNP Ltd., one of the two largest national bankruptcy firms in Canada, may be sharing an office with a debt consultant in Barrie, Ontario.  Such an arrangement could potentially raise a number of ethical concerns and might draw the attention of the federal Superintendent of Bankruptcy, responsible for supervising the conduct of Canada’s 1,600 federally licensed bankruptcy trustees.

TenantDirectory136BayfieldStreetnearSuite107

Sometime in November both MNP Ltd., one of the two largest national firms of bankruptcy trustees in Canada, and Debt Relief Canada Inc., a debt consulting firm which engages in deceptive marketing practices, moved into adjacent office space on the ground floor at 136 Bayfield Street in Barrie, Ontario. 

 

The two firms either share a suite or their two premises are situated adjacent to one another in order to facilitate referrals from Debt Relief Canada Inc. to MNP Ltd.   Based upon our three-month investigation I can say that Laura Vivian, the owner of Debt Relief Canada Inc., has been a substantial source of referrals for MNP Ltd. in communities throughout Ontario–as far afield as Markham and Mississauga.

 

Formal complaint to the Superintendent of Banrkruptcy

Following my firm’s three-month investigation into the activities of Debt Relief Canada Inc., and its relationship with certain bankruptcy trustees, I will be filing a formal complaint with the federal Superintendent of Bankruptcy asking him to investigate MNP Ltd. and A. Farber & Partners Inc., concerning potential violations of the Code of Ethics For Trustees in Bankruptcyand in particular section 38.

 

CodeofEthicsfrontcover

The conduct of federally licensed bankruptcy trustees is governed by the Code of Ethics For Trustees in Bankruptcy.

 

Section 38 of the Code of Ethics For Trustees in Bankruptcy reads as follows:

Trustees shall not assist, advise or encourage any person to engage in any conduct that the trustees know, or ought to know, is illegal or dishonest, in respect of the bankruptcy and insolvency process.

I believe a prima facie case can be made out with respect to the following:

  1. That the conduct of Debt Relief Canada Inc. and its counsellors–Laura Vivian and Rebecca Schaafsma–constitute “dishonesty in respect of the bankruptcy and insolvency process”;
  2. That MNP Ltd. and A. Farber & Partners Inc. knew or ought to have known of this dishonesty; and
  3. That MNP Ltd. and A. Farber & Partners “assisted, advised or encouraged” this dishonesty.

 

Debt Relief Canada’s 2015 shell game with six Ontario offices

In November I have written two LinkedIn posts focusing on Debt Relief Canada Inc.’s shell game with its six Ontario office locations descibed on the firm’s website, debtreliefcanada.ca; a November 9, 2015 post titled Farber & Partners defends sharing office with debt consulting firm, and November 15, 2015 post titled Debt Relief Canada Inc.’s shell game with Ontario offices and bankruptcy trustees continues.

 

Nov92015andNov122015LinkedInThumbanilscreenshot

On November 9, 2015, and November 12, 2015, I wrote two LinkedIn posts chronicling Debt Relief Canada Inc’s bizarre and false representations on the firm’s website, reliefcanada.ca, concerning its “six Ontario offices”.

 

One of the webpages on Debt Relief Canada Inc.’s website is CONTACT where, over the past 60 days website visitors could find the firm’s six Ontario offices.  Over a 2-day period–September 9th and 10th–I personally visited all six of these offices described on Debt Relief Canada’s website–and despite considerable effort I could find no evidence that the firm had any offices at four of these locations, Burlington, London, Markham, and Mississauga.  I only found actual offices for Debt Relief Canada Inc. in Barrie and in Kitchener.  The firm was simply making false claims on its website that it had offices in Burlington, London, Markham, and Mississauga.

 

ContactUsSept

This screenshot of Debt Relief Canada Inc.’s CONTACT webpage was taken on September 9, 2015.  On that date this webpage’s information regarding an office in Barrie and Kitchener were accurate.  This webpage’s information, however, regarding office locations for Debt Relief Canada Inc. in Burlington, London, Markham, and Mississauga were false.

 

Debt Relief Canada’s shell game–with MNP Ltd.–resumes in Barrie

Just when I thought I could write some posts regarding some other debt consultants I discovered a dramatic new development in Debt Relief Canada’s ongoing shell game with its six Ontario offices.  Sometime in November Debt Relief Canada Inc. would appear to have relocated its Barrie office–located in a corporate business centre at 135 Bayfield Street–and moved into a suite which it is sharing with MNP Ltd., one of the two largest national firms of bankruptcy trustees in Canada.

 

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This photograph was taken on November 25, 2015, on the ground floor of 136 Bayfield Street in Barrie, Ontario.  Signage on the first floor of 136 Bayfield Street lists Debt Relief Canada as having a suite at Suite 107A and MNP Ltd. as having a suite at Suite 107B.

 

Debt Relief Canada shares office space with Farber in Kitchener

Debt Relief Canada Inc. is no stranger to sharing office space with a firm of bankruptcy trustees.  In Kitchener, Ontario, Debt Relief Canada Inc. currently shares an office with Farber & Partners Inc., one of the largest firms of bankruptcy trustees operating in Ontario.  Farber has 50 offices, about 48 in Ontario, and another two in British Columbia.  You can read more about this topic in my LinkedIn post dated November 9, 2015 titled Farber & Partners defends practice of sharing office with debt consulting firm.

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This is a photograph of Suite 507, 30 Duke Street West, Kitchener, Ontario.  Debt Relief Canada Inc. shares this space with A. Farber & Partners Inc., one of the largest firms of bankruptcy trustees operating in Ontario. 

 

In a November 6, 2015 phone conversation with Alan Farber, Founder and Joint Managing Founder of Farber Financial Group–which Alan generously consented to being recorded–Alan Farber can be heard saying “we never share these offices with debt consultants”.

One business day after I confronted Alan Farber during a telephone interview about A. Farber & Partner Inc.’s relationships with certain debt consultants who engaged in unethical marketing practices I received a letter from a lawyer–sent of behalf of A. Farber & Partners Inc.–threatening to sue me for defamation.

 

MNP Ltd. is one of the two largest national bankruptcy firms in Canada

On its website, Calgary-based MNP Ltd. reveals that it has more than 150 offices across Canada.  To the best of my knowledge, MNP Ltd.’s Barrie, Ontario office, located at 136 Bayfield Street, is the only office in the country where MNP Ltd. may be sharing space with a debt consultant.

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This is a photograph of 136 Bayfield Street, Barrie, Ontario, where MNP Ltd., one of the two largest firms of bankruptcy trustees in Canada, would appear to be sharing space with a debt consulting firm, Debt Relief Canada Inc.

 

Both Debt Relief Canada Inc. and MNP Ltd. moved into adjacent office space on the ground floor at 136 Bayfield Street in November

Both Debt Relief Canada Inc. and MNP Ltd. moved into office space on the ground floor at 136 Bayfield Street in Barrie, Ontario sometime in November of this year. The receptionist at the Bayfield Executive Suites, located at 135 Bayfield Street, informed me last week that Debt Relief Canada moved out from their premises the end of October.  My sources also indicate that MNP Ltd. moved out of its former Barrie location at the end of October of this year.

During our three-month investigation into the activities of Debt Relief Canada Inc. it became evident that Laura Vivian, the Barrie, Ontario-based owner of Debt Relief Canada Inc., was acting as a source of a substantial number of consumers being referred to bankruptcy trustees working at MNP Ltd.  Given the fact that Debt Relief Canada would appear to routinely refer files to MNP Ltd. at the latter’s Markham and Mississauga offices, the fact that both firms moved into space beside one another in the same building in Barrie cannot be a coincidence.  I believe that the decision by MNP Ltd. and Debt Relief Canada Inc. to move into adjacent office space–in the same month–in Barrie, Ontario, was a joint decision.

This simultaneous relocation–by both Debt Relief Canada Inc. and MNP Ltd.–into adjacent office space on the ground floor at 136 Bayfield Street in Barrie, Ontario–would facilitate Laura Vivian referring consumers to trustees working for MNP Ltd. situated in office space less than 50 feet away from her desk.

 

Address for MNP Ltd.’s Barrie office appearing on firm’s website

It is interesting to compare the address appearing on the ground floor tenant directory at 136 Bayfield Street with the address for this same office appearing on MNP Ltd.’s website.

 

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This screenshot from MNP Ltd.’s website captured on November 25, 2015, indicates that the address for MNP Ltd.’s Barrie, Ontario office is 136 Bayfield Street, Suite 107–and not Suite 107B.

 

One can only wonder why MNP Ltd.’s website lists the suite number for its Barrie office as Suite 107 and the tenant directory signage at 136 Bayfield Street is Suite 107B?

 

Information gleaned from looking at groundfloor floorplan

A person visiting the ground floor at 136 Bayfield Street in Barrie, Ontario would likely conclude that Suite 107 has been subdivided into two separate suites, Suite 107A for Debt Relief Canada and Suite 107B for MNP Ltd.  This is certainly what the information contained on the first floor tenant directory signage would suggest, as well as the fact that there appears to be two doors on the ground floor hallway–one of Debt Relief Canada and one for MNP Ltd.

But has Suite 107 at 136 Bayfield Street in Barrie, Ontario, been subdivided into two separate suites?  According to the floor plan for the first floor at 136 Bayfield Street–obtained on November 25, 2015, from Royal LePage, the real estate broker for the building–there is no wall subdividing Suite 107.

 

FirstFloorSchematics136BayfieldStreet

This floorplan for the first floor at 136 Bayfield Street, Barrie, Ontario–which was obtained on November 25, 2015–indicates that there is no wall subdividing Suite 107 into two separate suites.  Blue highlights have been added to this document.

 

The three doors in the vicinity of Suite 107

This document shows three doorways from the hallway into what appears to be Suite 107.  The entrance towards the bottom of this page is the door for MNP Ltd., the next door–higher up this page–is the door to a women’s washroom, and the third door is the entrance for Debt Relief Canada.

Three Doors groundlfoor hallway 136 Bayfield Street Barrie

From left to right, there are three doors that appear in the vicinity of Suite 107.  To the left is the entrance to MNP Ltd., Suite 107B.  To the right of this door is the door to the women’s washroom.  To the right of the door to the women’s washroom is the entrance to Debt Relief Canada, Suite 107A.

 

Who works at 136 Bayfield Street, Suite 107, Barrie, Ontario?

It would appear that Laura Vivian, who is described on Debt Relief Canada Inc.’s website, reliefcanada.ca, as a Senior Insolvency Counsellor, works in Suite 107 at 136 Bayfield Street, Barrie, Ontario.  According to her LinkedIn Profile, Laura Vivian owns Debt Relief Canada Inc.

LauraVivianLInkedInProfilehighlighted

According to her LinkedIn Profile, Laura Vivian owns Debt Relief Canada Inc.

 

Names of individuals working at Suite 107 other than Laura Vivian

I am currently compiling a list of names of everyone working at Suite 107 other than Laura Vivian.  If you have any information about who works at 136 Bayfield Street, Unit 107 you are invited to contact me at (866) 996-9941 or (519) 827-5513.  Alternatively, you can send me an e-mail at mark@comprehensivedebtsolutions.ca.  Anyone providing such information can do so on a confidential basis.  In more than three decades I have never revealed the names of any of my sources.

One of the individuals who would appear to be working at 136 Bayfield Street, Unit 107, is Karen Miller, Bankruptcy Trustee.  I was able to confirm this information on the website for MNP Ltd., mnp.

Karen Miller Bankruptcy Trustee

According to MNP Ltd.’s website, MNPdebt.ca, Karen Miller works out of 136 Bayfield Street, Suite 107B.  Based upon the floor plan provided to us by Royal LePage last week, Karen Miller’s desk must be no further than 50 feet from Laura Vivian’s desk located at 136 Bayfield, Suite 107A.

 

I was filmed during my recent visit to 136 Bayfield St. in Barrie

In the past few days I attended in person at 136 Bayfield Street and at the Bayfield Executive Offices, located across the street.  While I was at 136 Bayfield Street I took some photographs from outside looking towards 136 Bayfield Street.

Twoexteriorphotos136BayfieldStreetBarrie

When I was in Barrie this past  week I took a photo of the front entrance of 136 Bayfield Street as well as a photo of the rear of the building.  In the picture (far right) the windows on the left side of the photo would be the windows for Suite 107.

 

You can imagine my surprise when I noticed a woman–someone whom I saw enter Suite 107 earlier that day–filming me on their cellphone while I was standing some distance from the rear of the building shooting video footage of 136 Bayfield Street.

MarkbeingrecordedbysomeoneinSuite107

 

 

I suspect that that the individual filimg me on her cellphone is Karen Miller, Bankruptcy Trustee, who took photos or video footage of me using a cellphone this past week from Suite 107, 136 Bayfield Street, Barrie, Ontario.

 

Debt Relief Canada “closes” four of its six Ontario offices over a two-week period in November?

Anyone who has been regularly checking the CONTACT webpage on Debt Relief Canada Inc.’s website, reliefcanada.ca, might come to the conclusion that this debt consulting firm closed four of its six Ontario offices in the past two weeks!  It helps if one compares a screenshot of Debt Relief Canada’s CONTACT webpage captured on November 12, 2015 with one captured on November 26–14 days later.

This screenshot–captured on November 12, 2015–taken from Debt Relief Canada Inc.’s website clearly indicates that Debt Relief Canada Inc. has six Ontario offices.

ContactUSNov12

This screenshot of Debt Relief Canada Inc.’s CONTACT webpage was captured on November 12, 2015.

 

This screenshot, captured on November 26, 2015–some 14 days later–shows that Debt Relief Canada has gone from six Ontario offices to two headquarters and four “Counselling Locations”.

NOV 262015 CONTACT PAGE

 

This screenshot–captured on November 26, 2015–found on Debt Relief Canada Inc.’s website, reliefcanada.ca, reveals that the firm has two headquarters, Kitchener and Ontario, and four “Counselling Locations” in Burlington, London, Markham, and Mississauga.

 

Central Ontario HQ

Laura Vivian, based in Barrie, Ontario, would appear to be responsible for Debt Relief Canada’s Central Ontario HQ located in its new office space at 136 Bayfield Street.  Based upon my firm’s three-month investigation of Debt Relief Canada Inc., it would be fair to describe Laura Vivian as a source of a substantial number of referrals to MNP Ltd., in Barrie, the immediate vicinity of Barrie, Markham, and Mississauga.

I suspect that a member of the public scheduling a counselling session with Debt Relief Canada Inc. at the above-noted Markham location would be meeting with Laura Vivian at either Suite 700 or Suite 900, 3100 Steeles Avenue East, one of MNP Ltd.’s two suites in the building.  It would be difficult to meet at Debt Relief Canada Inc.’s office at 3100 Steeles Avenue East because–according to the tenant directory in the building–Debt Relief Canada Inc.–does not have an office in the building.

3100 Steeles Avenue East tenant directory

This photograph of the tenant directory of 3100 Steeles Avenue East, Markham, Ontario, was taken on November 10, 2015.  According to this tenant directory, Debt Relief Canada Inc. does not have an office in this building.

 

I also suspect that a member of the public doing a “counselling session” at Debt Relief Canada Inc.’s Mississauga location would be meeting with Laura Vivian at one of MNP Ltd.’s two offices located at 50 Burnhamthorpe Road West–likely Suite 801.

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A member of the public seeking a counselling session with Debt Relief Canada Inc. in Mississsauga should not be surprised that–following one or two 30-minute preliminary phone calls with Laura Vivian–they subsequently meet with both Laura Vivian and a trustee working for MNP Ltd. at 50 Burnhamthorpe Road West, Suite 801.

 

Southwestern Ontario HQ

Kitchener, Ontario-based Rebecca Schaafsma is in charge of Debt Relief Canada’s Southwestern Ontario Headquarters which is located in an office suite shared with A. Farber & Partners Ltd, Bankruptcy Trustees, one of the largest firms of bankruptcy trustees operating in Ontario.  Based upon our three-month investigation of Debt Relief Canada Inc. it would be fair to describe Rebecca Schaafsma as a substantial source of referrals for A. Farber & Partners Inc., Bankruptcy Trustees, in not only Kitchener, but also London, Burlington, and possibly Hamilton.

I arranged to have multiple mystery shoppers–posing as consumers struggling with unsecured consumer debt–and armed with miniature, hidden cameras–meet with Ms. Schaafsma over the past several months.  At the conclusion of each initial meeting Ms. Schaafsma recommended that our mystery shopper not only do a consumer proposal but also they they do this consumer proposal through a trustee working for A. Farber & Partners Inc., a firm that Debt Relief Canada Inc. shares space with.

 

Dishonest conduct by Debt Relief Canada Inc.

Dishonest conduct by Debt Relief Canada Inc. is not limited to making false claims on its website about non-existent offices.  Debt Relief Canada would also appear to be using bait-and-switch tactics to entice consumers who do not want to use the services of a bankruptcy trustee to meet with them.  Furthermore, Debt Relief Canada goes to great lengths to hide the fact that the “programs” it facilitates are consumer proposals and personal bankruptcy.  Finally, one could could make the case that Rebecca Schaafsma and Laura Vivian’s conduct are that of a marketing agent and not that of an independent financial advisor acting in the best interests of clients.

 

1.     Bait-and-switch tactics employed by Debt Relief Canada Inc.

On its homepage Debt Relief Canada Inc. holds itself out as a firm which provides independent and unbiased advice to consumers struggling with unsecured debt.  At the very bottom of the homepage for Debt Relief Canada, reliefcanada.ca, it states “We are NOT Bankruptcy Trustees”.

BottomDRCIhomepageWeareNOTBankruptcyTrustees

The website for Debt Relief Canada Inc. claims that “We are NOT bankruptcy trustees”. 

 

Is that statement “We are NOT bankruptcy trustees” dishonest given the fact that when we mystery shopped debt counsellors working for Debt Relief Canada Inc. the only recommdations that they have made is that our mystery shopper not only do a consumer proposal but also that it be done through a particular firm of bankruptcy trustees–in some instances with a firm the debt consultant is sharing space with?

 

2.  Hiding the fact that they facilitate consumer proposals and personal bankruptcy

Earlier this year we mystery shopped both Laura Vivian and Rebecca Schaafsma and these mystery shopping encounters were recorded.  What jumps out during these recordings is the lengths to which both Laura Vivian and Rebecca Schaafsma avoid making any reference to the fact that the two “goverment programs” that they facilitate are ones that only a bankruptcy trustee can file on behalf of a consumer.  Neither Laura Vivian nor Rebecca Schaafsma ever say the phrase “bankruptcy trustee”.  Instead they use the term “court officer”.  They inform our mystery shopper that a “court officer” would file a “proposal” on behalf of the consumer.

 

3Sept142015RebeccaSchaafsmaNinamystershoppingencounter

In September of this year I arranged to have a number of mystery shoppers–armed with a hiddent video camera–meet with Rebecca Schaafsma at 30 Duke Street West, Suite 507, Kitchener, Ontario, an office Debt Relief Canada Inc. shares with a firm of bankruptcy trustees, A. Farber & Partners Inc.

 

During this meeting Rebecca spoke about how Debt Relief Canada “facilitated” consumers taking advantage of federal government programs that would enable a person to consolidate or reduce their debt, with zero percent interest.

At no time did the words “bankruptcy trustee” pass Rebecca Schaafsma’s lips during these mystery shopping encounters.  In Canada only federally licensed bankruptcy trustees can legally file a consumer proposal or a personal bankruptcy on behalf of a consumer.  Rebecca Schaafsma made numerous references to “court officers” filing legal documents on behalf of a consumer doing a “proposal”.  When one of my mystery shoppers asked who the court officer was she was referring to she acknowledged that it was someone in the adjacent office working for Farber.  In another instance she referred to Graeme Whitehead by name, who is a bankruptcy trustee at A. Farber & Partners Inc., Bankruptcy Trustees.

 

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Graeme Whitehead, CIRP, Bankruptcy Trustee, Partner, A. Farber & Partners Inc.

 

 

When one of our mystery shoppers met with Rebecca Schaafsma in September of this year Rebecca provided our mystery shopper with an 8-page document  titled Initial Assessment.  This entire document is reproduced at the very end of this post.

PPs 1 and 8 Sept 28 2015 DRCI Initial Assessment Form

Pictured above are copies of pages 1 and 8 of an 8-page document that Rebecca Schaafsma provided to our mystery shopper in late September of this year at Debt Relief Canada Inc.’s Kitchener office, 30 Duke Street West, Suite 507, a suite which it shares with A. Farber & Partners Inc., Bankruptcy Trustees.

 

 

One of our mystery shoppers, carrying a hidden, miniature camera, met with Rebecca Schaafsma in late September of this year.  This mystery shopping encounter was captured on video for posterity.  During this meeting Rebecca Schaafsma completed an 8-page document titled Initial Assessment, which she then gave to our mystery shopper.  Debt Relief Canada did not charge our mystery shopper for the Initial Consultation which took place on this date.  Our mystery shopper, however, was informed that Debt Relief Canada Inc. would charge a fee of $700.00, plus H.S.T., for the second meeting at which time paperwork would be put together to be presented to a “court officer” prior to filing a proposal.  Furthemore, Rebecca Schaafsma informed our mystery shopper that she would have to pay an additional $700.00, plus H.S.T., at a third meeting when the consumer would meet with both Rebecca Schaafsma and a “court officer” to determine whether or not the “court officer” would file the proposal on her behalf.  In summary, if our mystery shopper chose to not only hire  Debt Relief Canada Inc. but also proceed with a consumer proposal then Debt Relief Canada Inc. would have charged her $1,400.00, plus H.S.T., for its consulting services.

Let’s contrast this with the scenario where, if, instead of meeting with Rebecca Schaafsma of Debt Relief Canada Inc., our mystery shopper had telephoned A. Farber & Partners Inc.’s Kitchener office directly–and then scheduled an appointment with a trustee at A. Farber & Partners Inc. at 30 Duke Street West, Suite 507–and stated her intention to make a consumer proposal with A. Farber & Partners Inc.   In this scenario the firm of bankruptcy trustees would have essentially prepared virtually all of the paperwork that Debt Relief Canada Inc. would have prepared and the cost to the consumer:  ABSOLUTELY NOTHING!

It is professional miconduct for a bankruptcy trustee to charge a fee to a consumer with respect to the preparation of a consumer proposal.

 

3.   Conduct consistent with an exclusive marketing agent for a firm of bankruptcy trustees and inconsistent with an independent debt counsellor

I have reviewed the audio recordings and the video footage of the mystery shopping encounters with both Laura Vivian and Rebecca Schaasfma.  Their conduct during these encounters is consistent with a person acting as a marketing representative for a single firm of bankruptcy trustees.  Their conduct is not consistent with that  of an independent consultant providing unbiased advice to a person struggling with unsecured consumer debt.

At no time did either Laura Vivian nor Rebecca Schaafsma ask our mystery shoppers for the date of last payment on each of their unsecured consumer debts–a crucial question–to determine whether or not they had the option of not paying the debt where the date of last payment was more than 2 years ago because of the expiry of Ontario’s 2-year limitation period.

Furthermore, neither did Laura Vivian nor Rebecca Schaafsma ask questions about our mystery shopper’s employment to determine whether or not a creditor would realistically be able to successfully garnish their wages if the consumer simply quit their job if they were subject to a wage garnishment.  A significant number of Canadians are essentially judgment proof or near-judgment proof because they can simply quit their job if a creditor with a judgment against them were to attempt a wage garnishment.

Finally, both Laura Vivian and Rebecca Schaafsma misrepresented a consumer’s ability to settle a debt at significant discount by negotiating a one-time lump sum payment with a creditor–or a creditor’s authorized collection agent.

 

Sept 28 2015 mystery shopping

When Rebecca Schaffsma met with our mystery shoppers earlier this year her conduct was consistent with someone who was a marketing agent for Farber & Partners Inc., Bankruptcy Trustees, and not someone who was an independent debt consultant who was acting in the best interests of the consumer.

 

After reviewing these mystery shopping encounters it would appear that both Laura Vivian and Rebecca Schaafsma are not acting as independent consultants providing unbiased advice in the best interests of consumers, but rather that they are acting as marketing representatives for a single firm of bankruptcy trustees and potentially for one or more non-profit credit counselling agencies.

 

Contact Mark Silverthorn if you have any information about Debt Relief Canada, Laura Vivian, Rebecca Schaafsma, and their relationship with MNP Ltd. and A. Farber & Partners Inc.

 

Anyone who has information regarding Debt Relief Canada, or its two Ontario-based debt counsellors, Laura Vivian and Rebecca Schaafsma–as well as the the firm’s relationship with MNP Ltd. and A. Farber & Partners Inc.

According to its website Debt Relief Canada Inc. operates in both Alberta and British Columbia.  Anyone with information regarding the names of trustees receiving files from Debt Relief Canada Inc. in Alberta and British Columbia are invited to contact me.

You are welcome to call me at 1 (866) 966-9941 or (519) 827-5513.  Alternatively, you are welcome to send me an e-mail at mark@comrehensivedebtsolutions.ca.

DSC_0297

You are welcome to contact me if you have any information regarding Debt Relief Canada Inc., Laura Vivian, Rebecca Schaafsma, or their relationship with MNP Ltd. and A. Farber & Partners Inc., Bankruptcy Trustees.

 

 

8-page Initial Consultation form prepared by Rebecca Schaafsma for our mystery shopper

In late September of this year Kitchener, Ontario-based Rebecca Schaafsma gave the following 8-page document to one of our mystery shoppers who met with her at Debt Relief Canada Inc.’s Kitchener office located at 30 Duke Street West, Suite 507, a suite which is shared with one of the largest firms of bankruptcy trustees in Ontario, A. Farber & Partners Inc.

You can read this 8-page Initial Assessment form prepared by Rebecca Schaafsma for our mystery shopper in late September of this year by clicking on the following link:

Sept28 Initial Consultation form

 

 

 

 

 

 

 

 

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