Bruce Caplan is a Licensed Insolvency Trustee with over 30 years of experience helping people and companies solve their debt problems. At Caplan Debt Solutions Winnipeg, we believe that everyone must be treated with dignity and respect, as we know having too much debt is a difficult situation. We don’t pass judgment on any person, as we understand that life happens, and some results are beyond your control. That’s why we’re here to help, and why, when facing financial issues like bankruptcy, Manitoba and Alberta residents know they can turn to us.
Every Caplan Debt Solutions client receives the Caplan Cares guarantee: that we will do our utmost to understand your situation and help find a debt solution in a respectful manner. Our goal is to get debt off your mind and help you live a healthy, productive life. Please see our reviews to understand what our clients have experienced.
At Caplan Debt Solutions, we offer comprehensive debt solutions in Winnipeg, including consumer proposals, bankruptcy services, credit counselling, and personalized debt help. Whether you’re facing overwhelming financial stress or looking for practical ways to manage your debt, our team is here to provide tailored solutions that will work for you.
If you are in need of credit counselling, consumer proposal or bankruptcy help, get a free no no-obligation consultation
If debt is weighing you down, you’re not alone—and you don’t have to navigate it by yourself. At Caplan Debt Solutions, our caring, knowledgeable advisors will help you explore every available option, from budgeting support to formal debt relief plans. Together, we’ll build a realistic strategy that puts your financial goals within reach.
Every consultation is free, private, and completely pressure-free. Whether you’re just getting started or need immediate solutions, we’re here to help you move forward with clarity and confidence.
Helping Manitobans with their debt problems
A consumer proposal in Winnipeg is a legally binding agreement between you and your creditors, allowing you to pay a portion of your debt based on what you can afford. It’s a bankruptcy alternative and can help protect your assets while reducing your total debt load. Our team will guide you through the process and ensure a consumer proposal Winnipeg is the right fit for your financial situation.
Filing for bankruptcy in Winnipeg can offer a fresh start if you’re unable to pay off your debts. At Caplan Debt Solutions, we carefully assess your financial situation to determine if bankruptcy is the best option and guide you every step of the way. Bankruptcy can eliminate most debts but may involve giving up some of your assets.
Debt consolidation in Winnipeg allows you to combine multiple high-interest debts into one affordable monthly payment. This strategy can lower your overall interest rate, simplify your finances, and help you regain control with a clearer path forward. Our team is here to guide you through the pros and cons so you can make an informed choice.
Our credit counselling services in Winnipeg are designed to help you understand your financial situation and explore all available debt relief options. Through personalized counselling sessions, we’ll help you create a budget, manage your debts, and explore alternatives like consumer proposals or debt consolidation.
If you’re searching for debt help in Winnipeg, our local knowledge ensures that you receive the best advice tailored to your needs. Whether it’s a consumer proposal Winnipeg, credit counselling, or filing for bankruptcy, we provide compassionate and professional assistance.
Watch our short animated videos for clear, straightforward answers to common debt and budgeting questions.
Business is slow. Sales are down 50%. I’m not making enough to pay the bills. Can you help?
Will I lose my house and car if I go bankrupt?
I am on a fixed income and have no assets. I also have a lot of debt. Is bankruptcy my only option?
I owe money to the Canada Revenue Agency (CRA). Can that be included in my proposal?
I co-signed a car loan for my friend and now they cannot pay. What happens next?
What is a Consumer Proposal and how does it differ from a bankruptcy?
While every Licensed Insolvency Trustee (Trustee) is federally licensed and regulated by the Office of the Superintendent of Bankruptcy, Winnipeg trustees are not all the same. How can you tell which is the right insolvency trustee for you? Before choosing a trustee, we recommend that people visit the trustee’s office to perform an INTERVIEW.
In other words, have a conversation with the trustee. Don’t just type in “consumer proposal near me” into a search browser and hire the first company you see online. Meet the team and make sure you feel comfortable. You will know once you get there if it FEELS RIGHT. TRUST YOUR GUT and you will make the right decision. Your finances may have gotten out of control, but who you choose to help you get them back under control is completely within your power. You do not have to deal with any particular Licensed Insolvency Trustee, but once you have chosen your trustee, it is very difficult to change. You are going into at least a nine-month relationship and you need to be sure it’s the right one for you. Good luck with your decision!
Based in Winnipeg, Caplan Debt Solutions helps Manitobans with their credit issues, consumer proposals in Winnipeg, and personal bankruptcy proceedings
When we first contacted Bruce Caplan, we didn’t know what to expect. We had never had debt problems before and we had experienced very high levels of stress, anxiety and depression. Bruce talked us through various options and he recommended a consumer proposal. It was shortly after our meeting with Bruce that he contacted us and let us know we had a resolution. We highly recommend Bruce Caplan for debt solutions. He made it easy for us.
Sincerely,
Bruce and Vera-Lynne
Financial stress can be overwhelming, but with the right guidance, you can take control of your finances and work toward a debt-free future. At Caplan Debt Solutions, we offer professional credit counselling services in Winnipeg designed to help you better understand your financial situation and create a manageable plan for repayment.
Our certified credit counsellors provide personalized advice and strategies to:
Credit counselling is not just about tackling existing debt—it’s about building a foundation for long-term financial success. Whether you’re dealing with credit card debt, student loans, or unpaid bills, our team is here to help you make informed decisions and achieve your financial goals.
If you’re struggling with debt in Winnipeg, you’re not alone—and you don’t have to face it by yourself. At Caplan Debt Solutions, we specialize in helping individuals regain control of their finances through personalized debt relief strategies.
Our team offers a range of services, including a consumer proposal Winnipeg tailored to your needs, bankruptcy assistance, and credit counselling, to address your specific needs. We understand that every financial situation is unique, and we’re committed to finding the right solution for you.
When you work with Caplan Debt Solutions, you gain:
Don’t let debt dictate your future. Contact us today for a confidential consultation, and let us help you take the first step toward a brighter financial future.
Explore practical blog articles on managing debt, building budgets, and making confident financial decisions.
Wage garnishment is one of those phrases people usually search only when things have already become serious. If you are looking up “cra wage garnishment,” there is a good chance you have received calls, letters, or legal warnings and want to know what happens next. The CRA has broad collection powers, and unlike many private
If you are searching for “cra freeze bank account,” this is probably not a casual question. You may have opened a balance owing notice, missed a payment, or started getting calls from collections. For many Canadians, the thought of losing access to money already sitting in the bank feels worse than the tax debt itself.
Finding out you owe money to the CRA can take the relief out of tax season very quickly. A lot of people file their return hoping to get everything behind them, only to realize they now have a balance they cannot comfortably pay. If that is where you are, March is the right time to
Yes, your income tax debt owing to the CRA must be included in your Consumer Proposal. A Winnipeg insolvency trustee can explain what should be included in your proposal, how to file your proposal, and what the advantages of a proposal are versus other debt solutions. Many people who search for a consumer proposal near me have similar concerns about tax debt and how it’s handled.
In most cases, you will be able to keep your house if you declare bankruptcy. However, every person’s financial situation is unique, and in some scenarios, you will not be able to keep your house. Reach out to Caplan Debt Solutions to schedule a consultation. We will review your case and provide you with the information you need to make an informed decision.
If you are on a fixed income with a lot of debt and no assets, you may be judgement proof. In other words, there may be no action that any creditor can enforce against you. However, if you’re frustrated with relentless collection calls, call Caplan Debt Solutions today to discuss your options with a Winnipeg insolvency trustee.
When you co-sign a car loan, you are jointly liable. If your friend can’t make their payments, the creditor will come after you for the balance. If you’re having trouble covering the payments, contact Caplan Debt Solutions to discuss your next steps. We will explain some of the debt relief options at your disposal, including Consumer Proposals, debt consolidation, and bankruptcy. Winnipeg and Manitoba residents know to call Caplan Debt Solutions when their debt becomes unmanageable.
Caplan Debt Solutions can help. Our goal is to help Manitobans recover from unmanageable financial challenges, not to judge you or question how you got here. You have several options at your disposal, including filing a Consumer Proposal or bankruptcy. Call us today to discuss your next steps with a Licensed Insolvency Trustee.
You have multiple options at your disposal. You may want to consider filing for bankruptcy or submitting a Consumer Proposal to address your unmanageable debts. However, this isn’t always necessary: our Licensed Insolvency Trustee will happily review your finances to see whether simple changes to your budget can improve your situation. Call us today to schedule a free consultation or credit counselling session.
We will do everything in our power to help you navigate this unfortunate situation. The good news is you still have options. If your debt is unmanageable, you may want to consider bankruptcy or a Consumer Proposal – call us today to schedule a free, no-obligation consultation where we will explain these processes.
Your first step toward financial recovery should be to contact Caplan Debt Solutions for a free, no-obligation consultation with a Winnipeg insolvency trustee. We will listen to your concerns, explain your financial options and their impact on you. Winnipeg residents, and residents of Manitoba in general, frequently turn to Caplan Debt Solutions in their time of need.
Going bankrupt does not guarantee that you will lose all your assets, and you will not lose your assets if you file a Consumer Proposal. Every situation is unique; contact us today to schedule a free, no-obligation consultation where we will explain your options.
When people search for a consumer proposal near me, they’re often looking for a local Licensed Insolvency Trustee who can help. A consumer proposal Winnipeg is a legally binding agreement between you and your creditors, allowing you to reduce the amount of your debt and make manageable payments over a specified period. It’s a bankruptcy alternative and helps you retain your assets.
If you’ve been considering bankruptcy but are also searching for a consumer proposal near me, it’s important to understand the differences between these two debt relief options. A Licensed Insolvency Trustee can assess your situation, explain the pros and cons, and help you decide which approach best meets your needs. Bankruptcy may be the right option if you’re unable to repay your debts, and other options like a consumer proposal Winnipeg or credit counselling haven’t worked. At Caplan Debt Solutions, we can help you determine the best course of action based on your financial situation.
Credit counselling helps you manage your debts and plan your finances better. Our Winnipeg-based counsellors can provide advice on budgeting, debt consolidation, and managing payments to avoid bankruptcy or other drastic measures.
Debt help in Winnipeg includes a range of services like consumer proposal Winnipeg, credit counselling, and bankruptcy advice. We tailor our services to meet your financial needs, ensuring you get the relief you need from overwhelming debt. Whether you’ve been searching online for a consumer proposal near me or exploring credit counselling options, debt help starts with understanding your full financial picture. This means meeting with a Licensed Insolvency Trustee and discussing your personal situation with them.
Most unsecured debts like credit cards, personal loans, and unpaid bills can be included in a bankruptcy. However, some debts, like child support or alimony, cannot be discharged. Our team will explain what can and cannot be discharged. If you’re weighing the difference between bankruptcy and a consumer proposal near me, we can clarify which debts are covered under each option.
If you are in need of credit counselling, consumer proposal or bankruptcy help, get a free no no-obligation consultation
