Toronto & the GTA ★★★★★

Toronto Licensed Insolvency Trustees

You’re not alone. Join thousands of other Ontario residents and businesses that got a fresh start with the help of our Toronto debt relief specialists

  • Personal Bankruptcy
  • Consumer Proposal
  • Tax & CRA Solutions
  • Small Business Debt
  • Student Debt Relief
  • Licensed Insolvency Trustee
Book a FREE Consultation

A personal approach to debt solutions for individuals and business owners across the Greater Toronto Area.

★★★★★5.0

Francisco Remolino

Licensed Insolvency Trustee

Over 20 years of experience helping people and businesses across the GTA regain control of their finances.

96%

Consumer proposal success rate

20+

Years of insolvency experience

75%

Up to — unsecured debt reduced

4

Offices across the GTA

Our Approach

Find The Best Solution For Every Financial Situation

Debt can be devastating. It can affect all the aspects of your life. But every financial problem has a solution. Remolino & Associates Licensed Insolvency Trustees have helped hundreds of people to get out of debt and regain control of their finances, and they can help you do the same.

From debt management advice to consumer proposals, Canada Revenue Agency (CRA) agreements, and declarations of bankruptcy, our licensed trustees have the expertise, insight and a number of alternative methods available to help take the financial pressure off your shoulders.

We Can Help. Talk to Us First.

As Seen On

inSauga

Recent interest rate cuts are no silver bullet for financial woes in Canada, experts say

According to data relayed by Remolino's firm, while these tax cuts will relieve some financial pressure...
Daily Hive

Expert shares why BoC's 'jumbo' rate cut won't really help most Canadians

According to data relayed by Remolino's firm, while these tax cuts will relieve some financial pressure...

Expert shares why BoC's 'jumbo' rate cut won't really help most Canadians

According to data relayed by Remolino's firm, while these tax cuts will relieve some financial pressure...
inSauga

Tax breaks promised ahead of federal election will do nothing for Canadians, expert says

According to data relayed by Remolino's firm, while these tax cuts will relieve some financial pressure...

Why Remolino

Remolino & Associates Is Here
to Help You Become Debt-Free

Abrighter financial future is within your reach. At Remolino & Associates, our Licensed Insolvency Trustees in Toronto are dedicated to helping people become debt-free and start fresh. When you meet with Francisco Remolino and our compassionate team, we take the time to consult with you to understand the human story behind your financial challenges. We provide a safe, non-judgmental space to candidly explore your situation and present the best debt relief options tailored to your unique needs.

Taking the first step is simple. Book a free consultation to speak confidentially with our experts. Transparency is a cornerstone of our practice. You will know every detail of your personalized plan before signing any documents, ensuring there are no hidden fees or unexpected surprises. We guide you through each step, empowering you to move beyond your debt and regain control of your life in the Greater Toronto Area.

“

From the moment I sent that first email to Remolino & Associates, I was taken care of professionally and efficiently. It was a very stressful time for me but Francisco took the time to explain all my options and he really had my best interest at heart. I have nothing but positive words and gratitude for him and his team as I truly feel like a weight has been lifted and I can breathe again. I highly recommend them!

★★★★★

Verified client · 5 out of 5 stars

Solutions

Debt Relief Solutions

Remolino & Associates’ Licensed Insolvency Trustees are federally regulated debt advisors who are experts in financial matters. They can help you overcome debt and get a new financial start. After closely examining your situation, our friendly Trustees will recommend one or multiple solutions to your debt problems, including but not limited to:

Consumer Proposal

Filing for a consumer proposal can be an efficient way to settle your debt for less than you owe. A consumer proposal can reduce your monthly payments by up to 80% while protecting your home, car, and tax refunds.

Consumer Proposals →

Personal Bankruptcy

Filing for bankruptcy can get most of your debt discharged and stop the wage garnishments and collection calls. Even though it has a bad reputation, bankruptcy can give debtors a fresh financial start. Our Trustees recommend filing bankruptcy only after exploring and dismissing all the other debt relief options at your disposal.

Personal Bankruptcy Proposals →

Debt Consolidation

Making payments on multiple loans, debts, or bills can be difficult. Our experts can help you merge multiple loans together to consolidate your debt and save money by reducing their interest rate.

Debt Consolidation →

Credit Counselling

Credit counselling is a professional service designed to help you better understand your finances, manage your money, and develop healthy financial habits for the future. It involves working with an expert to review your income, expenses, and current debts to create a realistic, workable budget. The goal of credit counselling is to equip you with the knowledge and tools required to make informed decisions and avoid financial pitfalls down the road.

At Remolino & Associates, we understand that finding the right debt relief solutions involves more than just addressing the immediate numbers. We can help with money management coaching by providing customized counselling sessions that target the root causes of your financial stress. Our team will guide you through budgeting techniques and financial education, ensuring you have the skills needed to rebuild your credit and sustain a healthy financial lifestyle long after your debts are resolved.

Credit Counselling Proposals →

Tax & CRA Solutions

Owing money to the CRA can be a serious problem. As a government entity, the CRA can freeze your bank accounts, garnish your wages, and even register a lien on your home. Our Trustees can help negotiate a CRA payment plan to repay a portion of the total of your debt by allowing you to make monthly payments to settle your tax obligation.

Tax & CRA Solutions →

Business Debt Solutions

Having a great business idea and being full of enthusiasm are sometimes not enough to run a successful company. Things like new cash flow management approaches, cost cutting, and budgeting can make the difference between a failed and a successful enterprise. Our trustees can help you find the best way to eliminate business debt and create a winning business model.

Business Debt Solutions →

In Their Words

What Our Clients Say

Real experiences from people who took the first step toward a debt-free life.

★★★★★ 5.0 on Google.

★★★★★

From the moment I sent that first email to Remolino & Associates, I was taken care of professionally and efficiently. It was a very stressful time for me but Francisco took the time to explain all my options and he really had my best interest at heart. I have nothing but positive words and gratitude for him and his team as I truly feel like a weight has been lifted and I can breathe again. I highly recommend them!

Verified client

5 out of 5 stars · Google review

★★★★★

Francisco and his team made a stressful process feel manageable from day one. They explained every option clearly and never made me feel judged. I finally feel in control of my finances again.

M. — Toronto, ON

Placeholder · replace with a real review

★★★★★

Professional, compassionate, and completely transparent about costs. I walked in overwhelmed and left with a clear plan. Highly recommend Remolino & Associates.

J. — Scarborough, ON

Placeholder · replace with a real review

Services

How We Can Help?

1 Filing a Consumer Proposal → 2 Filing For Bankruptcy → 3 Get Out of Debt →

Small Business Debt Relief

Running a business can be difficult, especially during tough economic conditions. Our debt relief specialists can help small business owners ride out the shaky economic times and get back on firm footing.

Overdue Bills, Tax & CRA Solutions

Overdue bills and outstanding tax debt can put a significant strain on your business. Our licensed professionals can assess your situation and help guide you toward financial recovery.

Student Loan Debt Forgiveness

Many former students struggle for years to pay off their student loan debts. If you’ve been out of school for more than 7 years, we can help you get your government student loans discharged.

Credit Card Debt

Struggling to make your monthly minimum payments? Alternating between multiple credit cards just to make do? Our experts can help consolidate your credit card debt into a single, smaller monthly payment.

Payday Loans

Payday loans can help you cover urgent cash needs, but they can be difficult to pay off because their interest can accumulate quickly. We can help you pay off your payday loans and find a solution for your financial problems so you won’t have to rely on them again.

Get a Free Financial Consultation

Book a virtual consultation with one of our licensed insolvency trustees and get insightful advice about the debt relief options at your disposal, and regain control of your finances.

Book a FREE, no-obligation, and confidential consultation today.

Book a FREE Consultation

The Process

How Can A Licensed
Insolvency Trustee Help?

If mounting financial pressure is affecting your daily life, reaching out to a Licensed Insolvency Trustee in Toronto is an essential step forward. Individuals seeking reliable support should contact Remolino & Associates because we provide practical, legally binding strategies to stop collection calls and safeguard your assets. As federally regulated debt advisors, we have the authority under Canadian law to act on your behalf and negotiate directly with your creditors.

Our team at Remolino & Associates can help you navigate complex financial distress by finding the right path for your specific circumstances. We utilize government-approved methods to help reduce your overall debt load, freeze interest rates, and protect you against aggressive creditor actions, such as wage garnishments or frozen bank accounts. From filing consumer proposals to guiding you through bankruptcy, Francisco Remolino brings over 15 years of industry experience. Our qualified experts understand the intricacies of insolvency law, ensuring you receive informed advice and a structured plan to eliminate your debt.

Licensed Insolvency Trustees

A fresh financial start, with people who won't judge you.

★★★★★ 5.0 on Google · 120+ reviews

“Francisco explained every option and truly had my best interest at heart. I can breathe again.”

Daniel P. - Verified Client

Get A Fresh Financial Start. Book A Free Consultation

Get a fresh financial start. We offer free, no-obligation, confidential consultations. Book yours and together we’ll examine personalized debt relief solutions that can lead to a debt-free life.

A weight has been lifted and I can breathe again. I highly recommend them.

★★★★★Verified Consumer Proposal Client
Talk to a Debt Relief Specialist
book a free consultation

The Journal

Debt Management Resources

Find out more about debt relief, bankruptcy, consumer proposals, money management, and more in our debt management blog.

Wages
July 7, 2026

Can a Collection Agency Garnish My Wages?

If you are dealing with financial hardship and receiving constant calls from debt collectors, you might find yourself asking, “Can a…
Credit
May 2, 2024

How to Let Go of Credit Cards

Credit cards often feel like a security blanket for unexpected expenses. But they have a way of turning into a crutch for everyday…
Taxes
May 2, 2024

Why you should file your taxes ASAP in Canada [2024]

Tax time is upon us. Did your stomach just drop? You’re not alone — a recent survey from tax accounting software Turbo Tax found that 85%…
Bankruptcy
December 21, 2022

Effects of Claiming Bankruptcy in Ontario

Bankruptcy is a legal proceeding that eliminates accumulated debt. With bankruptcy, individuals or business owners issue a legal…

Remolino And Associates Inc.

📅 Book an Appointment ➔ Directions

Main Office

1172 Danforth Avenue

Toronto, Ontario M4J 1M3

Toll Free : 1-888-227-1058

Fax : 416-981-7939

Scarborough Office

(By Appointment Only)

10 Milner Business Court Ste. 300

Scarborough, Ontario M1B 3C6

North York Office

(By Appointment Only)

4711 Yonge St. 10th Floor

North York, Ontario M2N 6K8

Mississauga Office

(By Appointment Only)

4 Robert Speck Parkway, 15th Floor

Mississauga, Ontario L4Z 1S1

Be financially savvy – and stay out of debt.

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Remolino & Associates

We are ready to help. Check out our social media for more information on debt management.

Services

Consumer ProposalBankruptcyBusiness Debt Solutions

Company

BlogOur CompanyPartnersSchedule an AppointmentPrivacy PolicyLLMS.txt
Main Office

1172 Danforth Avenue

Toronto, Ontario M4J 1M3

Phone : 416-792-5599

Toll Free : 1-888-227-1058

Fax : 416-981-7939

Scarborough Office

(By Appointment Only)

10 Milner Business Court Ste. 300

Scarborough, Ontario M1B 3C6

North York Office

(By Appointment Only)

4711 Yonge St. 10th Floor

North York, Ontario M2N 6K8

Mississauga Office

(By Appointment Only)

4 Robert Speck Parkway, 15th Floor

Mississauga, Ontario L4Z 1S1

Copyright © 2026 - Remolino & Associates. All Rights Reserved.

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COVID-19: To serve you through this time, we are now accepting virtual appointments.

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