Bankruptcy, Consumer Proposal, Credit Counselling, And Debt Help Winnipeg

Schedule a free consultation to learn more about debt relief, debt consolidation, credit counselling, and how to file a consumer proposal.

Bruce Caplan is a Licensed Insolvency Trustee with over 25 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. We don’t pass judgement on any person or situation. 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, Winnipeg residents know they can turn to us.

Every Caplan Winnipeg 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

Bankruptcy Winnipeg

Bankruptcy is a process by which people with otherwise unmanageable debt loads can recover and regain control of their lives. Having grown up in Winnipeg and worked in the city for his entire professional career, Bruce Caplan has deep ties to the community and takes pride in offering meaningful debt solutions to the people of his hometown and province. During a bankruptcy, Manitobans know to turn to Caplan Debt Solutions for assistance in resolving all of their financial problems.


Debt Solutions in Manitoba

We offer debt help services to individuals in Winnipeg and across Manitoba. If you or your business is facing financial challenges, contact us today to schedule a free consultation.


Consumer Proposal

A consumer proposal is an offer submitted to your creditors to settle your debt. Debtors must meet specific criteria in order to be eligible for this course of action. If you meet those criteria, there are definite benefits to this approach to debt management. For example, once a consumer proposal has been filed, you will be able to retain all of your assets.


Debt Consolidation

Debt consolidation is the strategy of paying off several smaller debts using a single payment. There are both benefits and pitfalls to this approach to debt help management. Contact Caplan Debt Solutions Winnipeg today to learn more about the pros and cons of debt consolidation, and to discuss whether you are eligible.


Credit Counselling

Caplan Debt Solutions is proud to offer credit counselling services to people in need. During a credit counselling session, you will be able to sit with a Licensed Insolvency Trustee (LIT), discuss your financial situation, and ask questions about possible solutions. Our LIT will always treat you with understanding and respect, while providing clear, straightforward guidance during this challenging time.



Contact Us

We offer a no cost, no obligation, personal consultation so we can get to know you.


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.

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.

Client Testimonials

testimonial bankruptcy Winnipeg

How To Choose A Licensed Insolvency Trustee

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. 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 and personal bankruptcy proceedings