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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.

Licensed Insolvency Trustee Services for Debt HELP, DEBT Management & Debt Relief 

Maria Rickard & Associates Inc can help you restart your financial life, free from the burden and suffering caused by overwhelming debt. From bankruptcy to consumer proposals in Toronto to debt management and financial counseling, our experienced staff will be by your side throughout the entire process.

Effective Bankruptcy Counselling

When you choose Maria Rickard & Associates Inc, you’ll be working with a firm committed to helping you find solutions to your debt problems. Our bankruptcy counselling in Toronto includes a number of features, including:

  • A thorough explanation of your options
  • Helpful guidance on how to effectively organize your bills and living expenses
  • Detailed answers to your questions and proper guidance to solve your debt issues


We’ll Treat You with Respect

We aren’t a large corporation. We’re a small firm with 2 locations (one in Toronto and one in Sault Ste. Marie, Ontario), so we can take the time to focus exclusively on you and your situation. Is filing bankruptcy best for your financial problems? Could you use credit counselling or bankruptcy counselling in Toronto? Would creditor proposals be helpful? Get answers! We’ll assess your situation with the kindness and respect you deserve.


Free Bankruptcy Consultation in Sault Ste. Marie & Toronto

Take the first step toward financial security and call Maria Rickard & Associates for a free financial consultation in Toronto or Sault Ste. Marie. Whether you’re in need of bankruptcy counselling or consumer proposals in Toronto, our 100 years of combined experience and personal attention will show you why we’ve been so successful in the past.


Our Services

Get Your Free Consultation

Let us help you take the first step to your new beginning


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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