Debt Relief for Nova Scotians — Compassionate, Confidential, No-Judgement Help
If debt has been weighing on your mind, you’re not alone. Talk to a Licensed Insolvency Trustee in Halifax or Kentville about consumer proposals, bankruptcy, CRA debt and real options that protect what matters most.
Licensed Insolvency Trustee • Halifax • Kentville • Serving all of Nova Scotia
Feeling Overwhelmed by Debt?
When debt starts to affect your sleep, your health, or your relationships, it’s a sign that life has become heavier than one person can carry alone. You don’t have to keep pushing through it by yourself.
Only making minimum payments
Using credit to cover groceries, gas, or bills
Avoiding phone calls or mail
Worrying about CRA or CERB overpayments
These are common signs your debt might be “too much.”
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You’re not failing. You’re overwhelmed — and you deserve clear support.
Debt Relief Solutions We Offer
We’ll explain every option — legal and non-legal — so you can make a confident decision.
Consumer Proposals
Consumer Proposals Reduce debt, stop interest, and combine unsecured debts into one affordable payment
Bankruptcy
A legal tool designed to protect you. We explain everything clearly, without judgment.
CRA & Government Debt Help
CERB overpayments, tax debt, frozen accounts, wage garnishments — you don’t have to face CRA alone.
Credit & Debt Counselling
Budgeting help, planning, financial confidence.
Why Choose a Local Licensed Insolvency Trustee?
Golding & Associates is a federally regulated LIT firm with deep roots in Nova Scotia. We combine professional expertise with a neighbourly, down-to-earth approach.
We’re Nova Scotian — not a call centre
Federally licensed to file proposals & bankruptcies
Compassionate, confidential, judgment-free guidance
Clear explanations in plain language
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Local support matters when you’re making big decisions about debt.
Testimonials
In-person, phone, and virtual appointments available.
★★★★★
Golding and Associates was a pleasant experience for me. At no time was I made to feel bad for the situation I was in. Everyone that I dealt with was extremely friendly and helpful. Would definately recommend to anyone to use this place when the need is there. Thank you for all that you did for me!
Valerie S.
★★★★★
Golding & Associates are wonderful to work with. They set everything up for me, made payment arrangements that worked for my schedule and pay periods and even helped me when I struggled for a very very short period when I caught covid and could not work for 2 weeks. She is understanding and treats you like a person, not like some who make you feel very small for getting into trouble with money and bills. Ive learned to budget, only buy what I can pay for or save up for it, and the importance of my credit score.
Tracy S
★★★★★
A series of unfortunate life events left me facing bankruptcy. Golding & Associates treated me with dignity and kindness while they helped me understand the bankruptcy process, meet mandatory requirements, and complete the necessary steps for a successful discharge. Highly recommended.
Stephanie Z.
How It Works
Simple, supportive, and always in your control.
Free, confidential consultation
We listen to your story and goals.
Review all your options
Consolidation, budgeting, consumer proposal, bankruptcy.
You choose what feels right
We guide — you decide.
We help you rebuild
Budgeting and credit rebuilding support.
Signs Your Debt May Be Becoming “Too Much”
There’s no magic number. The question is whether debt is affecting your life or peace of mind.
Balances not going down
Borrowing to pay borrowed money
Regular contact from collections
Feeling stressed or ashamed about money
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You’re not alone — thousands of Canadians file proposals or bankruptcies every year.
Serving All of Nova Scotia
In-person, phone, and virtual appointments available.
Halifax
Dartmouth
Bedford
Sackville
Kentville
Wolfville
Windsor
Yarmouth
Digby
Bridgewater
Middleton
You Don’t Have to Face Debt Alone
If debt has been weighing on your mind, we’re here to listen — without pressure and without judgment.
Or call 1-855-733-3032 or email dawn@goldingandassociates.ca