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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.

Client-Focused Solutions for Bankruptcy, Debt Management & More! 


Maria Rickard & Associates Inc has earned a sterling reputation for bankruptcy and debt management solutions tailored to meet the unique needs of our valued clients. Our team has a range of options to help you get your finances back on track. Call us today for your free consultation.

"...Kind, personable staff. Genuinely helped me when I needed it and went above and beyond my expectations. I'm grateful for the advice and help I received. I wouldn't wish bankruptcy on anyone, but would recommend Maria to anyone facing that difficulty."

Theresa A


"...My experience has been great with this amazing team! Terre was certainly able to put my mind at ease about my future. I have recommended them to local friends."

Chantal D


"...I would highly recommend Maria and her associates for the bankruptcy and insolvency assistance they provide. I was given the recommendation and I'm glad I accept it. Later on I was even gladder I went with them. Not only they're highly professional but also understanding and kind. They made me feel very comfortable and safe and that's crucially important in such situation knowing the feeling of humiliation that the bankruptcy can afflict on a person. Thanks so much Maria for your assistance, for being there in my difficult moments and helping me resolving what needed to be resolved."



"...We were at the end of our rope with our financial situation and did not know where to turn for help.We were referred to Maria Rickard and Associates by a friend. Maria treated us with incredible respect and dignity in our time of need. We consider Maria our guardian angel and we appreciate all of her kindness and assistance during our difficult times. We would highly recommend Maria and her team for anyone looking to be treated as a human being. Thank you Maria for everything."

Nancy P


“...When I came to you for help, I was scared and ashamed. You told me it was a chance to start over with dignity. These words are what made it a little easier for me to deal with my situation. Thank you for all your help.”

Olga M


“... Thank you so much for giving me my life back!”

Melanie M.


“... You gave me the encouragement I needed to get through it all. I will always be grateful to you all for that.”

Louise R.


“... once again, thanks a million for everything you did for me.”

Robert W.


“... I’m just writing to thank you for all your help and support during my financial difficulties. You will never know how much your help and support meant to me!!”

Katherine S.


“... (you) helped me come to terms with my financial position and I am grateful...”

Karol H.


“... Know that you really do help people... Tell all your clients from us that there is a light at the end of the tunnel. Once again, thank you from the heart.”

Cathy and Elson E.

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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