Ontario's Trusted Insolvency Guide

From financial crisis
to a fresh start —
with someone by your side.

Dealing with debt is overwhelming. I guide you through the consumer proposal or bankruptcy process from first conversation to discharge — then help you rebuild your credit and your future.

Book a Consultation — $300 Learn How I Help
$300
Flat consultation fee
100%
Transparent pricing
End‑to‑end
From filing to mortgage
First Step

Initial Consultation

Up to 2 hours. No obligation. Everything discussed is completely confidential.

$300
Credited toward your file fee if you proceed
Full review of your financial situation
Explanation of all your options
Clear, honest guidance — no pressure
In-person or virtual available
Book Your Consultation →
What I Do

Full support, from paperwork
to homeownership

I'm not a debt mill. I'm one person who takes the time to understand your situation and walks with you through every stage of the journey.

📋

Pre-Filing Preparation

Navigating the document requirements for a consumer proposal or bankruptcy is confusing. I tell you exactly what you need, help you gather it, and make sure your application is complete and accurate before it goes to your trustee.

Included in full file fee
🧭

Process Navigation

From the day you file to the day you're discharged, I stay available to answer your questions, explain what's happening at each stage, and make sure nothing falls through the cracks. You'll never feel lost or alone in this process.

Included in full file fee
🏠

Credit Rebuilding & Mortgage

Discharge is just the beginning. I build a personalized credit rebuilding roadmap for every client — secured cards, credit monitoring, budgeting, and a realistic timeline to mortgage readiness. When you're ready, I can help with your mortgage too.

From $500
How It Works

Your journey, step by step

Most people don't know what to expect from this process. Here's exactly how it looks when you work with me.

1

Consultation

We meet and review your full financial picture. I explain your options clearly and answer every question.

2

Document Prep

I give you a complete checklist and guide you through gathering everything needed for your file.

3

Filing

Your application goes to a Licensed Insolvency Trustee. I explain every step so you're never surprised.

4

Through Discharge

I stay available throughout the process — months or years — until your discharge is complete.

5

Rebuilding

We build your credit recovery plan and work toward your financial goals, including homeownership.

Transparent Pricing

You know exactly what you pay
before we start.

Every fee is agreed in writing upfront. No surprises, no percentage of your debt, no hidden charges.

Step 1
Initial Consultation
Up to 2 hours. Full review of your situation and options. Credited toward your file fee if you proceed.
$300
Flat fee, no obligation
Most Common
Full Service
Complete File Support
Document prep, application support, and process navigation from filing through to discharge. Quoted after consultation.
From $1,500
Consultation fee credited
Post-Discharge
Credit Rebuilding Program
Personalized step-by-step plan to restore your credit and prepare for homeownership.
$500–$800
Can be bundled with full file
Ongoing
Post-Close Support
For past clients with questions that come up months or years later. Billed in 30-minute increments.
$150/hr
30-minute minimum

My fees cover my time, guidance, and support services only. The Licensed Insolvency Trustee who administers your proposal or bankruptcy charges separate regulated fees under the Bankruptcy and Insolvency Act — these are set by the federal government and come out of your monthly proposal payments.

Monika

"My goal isn't just to get you through the process — it's to help you come out the other side stronger."

About Monika

The person behind
AskMonika.ca

I'm an insolvency counsellor and mortgage advisor based in Ontario. I started this practice because I saw how many people were going through one of the hardest financial experiences of their lives without anyone truly explaining what was happening or what came next.

I fill that gap. Where a trustee administers your file, I support you through it — with clear explanations, hands-on document help, and genuine care for your outcome. And because I also work in mortgages, I can walk with you all the way from financial difficulty to homeownership.

Clarity

Plain-language explanations at every stage. No jargon, no confusion.

Transparency

Fees agreed upfront. No percentages, no surprises.

Continuity

One person from consultation through to discharge and beyond.

Outcome-Focused

I measure success by where my clients are two years after discharge.

Common Questions

What people ask before
they reach out

If your question isn't here, just ask — that's what I'm here for.

What's the difference between you and a Licensed Insolvency Trustee?
A Licensed Insolvency Trustee (LIT) is the only person legally allowed to file and administer your consumer proposal or bankruptcy. I work alongside trustees — helping you prepare your documents, understand the process, and navigate everything involved. Think of me as your guide and advocate.
Do I need to see a LIT separately?
Yes. Filing a consumer proposal or bankruptcy legally requires a LIT. After our consultation, I'll connect you with a reputable trustee who will administer your file. I continue to support you alongside them throughout the process.
How long does a consumer proposal take?
A consumer proposal can last up to 5 years (60 monthly payments). However, you can pay it off faster if you choose. I'll stay available to you throughout the entire duration — not just at the beginning.
When can I start rebuilding my credit?
You can start rebuilding credit right away — even before your discharge. I'll walk you through a step-by-step plan starting with secured credit products, and build toward full credit recovery and mortgage eligibility on a realistic timeline.
Is my consultation confidential?
Completely. Everything we discuss stays between us. There is no obligation to proceed, no judgment, and no pressure. Many clients simply need to talk through their situation before deciding on next steps.
I already started working with someone else. Can you help?
Absolutely. If you've already started the process but need support, guidance, or a second opinion, I offer consultations for exactly that situation. We can assess where things stand and figure out how to move forward.

Ready to take the first step?

A one-hour conversation can change your entire picture. Book your consultation and let's talk through your situation — confidentially, with no obligation.

Email Me to Book Call or Text
Email
monika@askmonika.ca
Phone
(416) 819-2091
Area Served
Ontario — In-person & Virtual