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In consideration of COVID-19, consultations are available by phone and video chat.

COVID-19 safety procedures are in place to protect clients during these difficult times.

Give Us Your Time and We Will Give You a Solution

We provide solutions for bankruptcy, consumer proposals and debt counselling.

Get A Free Consultation

  Stop garnishments.

  Stop harassing phone calls.

  Stop CRA collections.

Maria Rickard & Associates Inc. 

 Licensed Insolvency Trustee WITH OFFICES IN ToRonto & SAULTE Ste. MARIE

Stop garnishments. Stop harassing phone calls. Stop CRA collections.


Don’t leave your financial future to chance. Enlist the help of an experienced, licensed insolvency trustee in Toronto and get your finances back on track. Choose Maria Rickard & Associates Inc, serving clients across the GTA and in Sault Ste. Marie.


Many potential bankrupts have very little knowledge of the significance and implication of the bankruptcy process. The purpose of this website is to explain in simple terms the duties, restrictions, and responsibilities imposed on a bankrupt.

What Is Bankruptcy?

Bankruptcy is a Federal Act that gives the unfortunate debtor a clean slate from debt. It is debt forgiveness, a second chance to start over without the debts of the past. The process is intended to provide financial rehabilitation for the debtor and a new start in life.

What is a Consumer Proposal?

Consumer Proposal is a debt settlement with your creditors, allows you to avoid bankruptcy and still receive protection from your creditors.


Call Us!

Call Maria Rickard & Associates Inc, bankruptcy trustee in Toronto and Sault Ste. Marie. Get your free consultation today.

How We're Different

How We’re Different

We take the time to assess your unique needs

Avoid bankruptcy with a consumer proposal

Need Debt Counselling?

Avoid bankruptcy with a consumer proposal

See what clients are saying about our services

Our Reputation

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Professional Affiliations

We Specialize in helping individuals

  • Bankruptcies 
  • Insolvency
  • Debt Consolidation
  • Consumer Proposals


1351 Dundas St. W, 

Toronto, ON, M6J 1Y3

Phone: 416-534-2777

Fax: 416-534-5605


Hours:  Monday – Friday: 9:00 AM – 5:00 PM

Closed Saturday and Sunday


123 March Street, Suite 407

Sault Ste. Marie, ON, P6A 2Z5

Phone: 705-942-1069

Fax: 705-942-3210


Hours: Monday – Friday: 9:30 AM – 4:30 PM

Closed Saturday and Sunday


  • Toronto
  • Greater Toronto Area
  • Sault Ste. Marie
  • Surrounding Areas


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