At BDO Debt Solutions in Timmins, our team of debt experts, including Licensed Insolvency Trustees and debt counsellors, are ready to provide advice and support for credit counselling, budgeting, debt consolidation, debt management, debt settlement, consumer proposals and bankruptcy.
Address
38 Pine Street North
Suite 108
Timmins, Ontario
P4N 6K6
Phone
Phone: 705-268-1212
Hours
Debt can be overwhelming. We’re here to make sure you’re not alone on your journey to financial wellness. Our debt experts are ready to listen to your story and make sure you understand all the options available to you. If you decide a consumer proposal or bankruptcy is the right debt solution for you, they’ll guide you through the debt relief process, from start to finish.
“ What you do today can improve all your tomorrows.
Kathren Gulja
Licensed Insolvency Trustee
kgulja@bdo.ca Read bioKathren received her Licensed Insolvency Trustee designation in 2016 and has more than two decades of experience working with individuals and small businesses experiencing financial distress. Kathren is non-judgmental, personable, patient and kind. She enjoys the process of helping people let go of their financial burdens and obtain a financial fresh start with renewed control over their finances.
Kathren listens to each person’s unique circumstances and spends time getting to know her clients. She clearly lays out all available options and formulates a personalized solution to their financial issues. Kathren delivers strong financial advice and helps her clients through the consumer proposal and bankruptcy process when it is in their best interests to do so. Knowing that she helped someone through difficult financial times and put a smile on their face is what Kathren finds the most rewarding part of her job. Located in Sudbury, Ontario, Kathren also serving clients in Timmins and throughout Northern Ontario.
“ It’s important for us to know that we are helping people. Licensed Insolvency Trustees provide unbiased, ethical advice for overcoming debt. Our free consultations will give you a clear idea of your available options and a path forward.
Joel Picard
Licensed Insolvency Trustee
jpicard@bdo.ca Read bioJoel has extensive knowledge of consumer proposals, bankruptcy and restructuring. He truly enjoys helping people solve their debt problems to put them back on course in achieving their financial goals. Joel previously managed a family business in the tourism industry — and, for that reason, truly understands the struggles small and medium sized businesses face. A little known fact about Joel is that he is a former Canadian Junior Track and Field Gold Medalist in the 10,000-metre event.
“ No matter how bad your financial situation may seem at the moment, there are solutions. Talk to someone.
Martha Kramer
Senior Insolvency Advisor
MKramer@bdo.ca Read bioMartha was born and raised in Sudbury and is familiar with the financial barriers those in our community face. Prior to working at BDO, she worked at BMO Nesbitt Burns as an office administrator. Her career in insolvency began in 2004 and has continued to flourish ever since. During the initial consultation, Martha helps individuals explore all options for overcoming their financial difficulties. She will listen to your story and will help you find the right solution for your unique situation.
Having experienced a divorce, Martha is very aware of life’s many financial challenges. She knows that financial struggles can get to a point where someone may need professional advice and the help of others. Martha is there to listen and offer solutions to some of life’s most difficult decisions.
