Connect now to start
a debt-free life:

Choose to break
the debt cycle

Financial difficulties can happen to anyone and anytime, can feel embarrassing and immensely stressful. If you owe more than $1000 and are unable to make debt payments, we will help. Take comfort knowing we are family owned & operated, government-licensed insolvency trustees, and have your best interest at heart. Our experience with creating personalized solutions for overcoming bankruptcy, personal or business debt, will restore your freedom and financial confidence. You deserve to be debt-free, choose to connect with us today.

The Company


J Bottom & Associates is a family owned & operated, government-licensed insolvency and financial restructuring firm that specializes in creative debt management solutions for individuals and companies who are experiencing financial difficulties.

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The Approach


We carefully review your situation and customize an action plan on how to best manage your debt load whether personal, business, or tax debt. Delivering only the highest quality of professional service with empathy, compassion, and respect.

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The Difference


We are not like the others. Other ‘credit/debt management’ companies can take advantage of you when you’re at your lowest. We protect you with knowledge, confidentiality, and resources so you feel confident about your future.

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The Result


Get ready to live your dream life! Overcome the struggles of debt, bankruptcy, or financial stress by making one small step to connect with us today. You will emerge from this process with a renewed sense of freedom and empowerment.

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Complimentary & Confidential Financial Assessment

Positive change starts with a simple conversation. Once you take the first step to reach out to us for a complimentary consultation, we will take you under our wing and guide you through financial restructuring to a personalized debt solution that you confidently understand.

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We are a family owned & operated business with your best interest at heart.

Our clients will say we have assisted them through their toughest financial difficulties to financial freedom. There are many reasons you may be considering bankruptcy, liquidation, credit counselling, receivership, or consumer proposal. We know this decision can be overwhelming and upsetting.

At J Bottom & Associates Ltd we believe that choosing to reach out for help to reconcile your financial problems is an opportunity to free yourself of debt, start fresh, and begin to build a more stable financial future.

No such thing as a silly question.

Ask us anything about bankruptcy, credit counselling, consumer proposals, or debt settlement arrangements and we will educate you about your options so, as a team, we can make an informed decision that will work best for you for the long term.

We will always take the time to listen and learn about your financial situation. We are here to represent you and act on your behalf to ensure that the bankruptcy process is as straightforward and stress-free as possible.

We will always:

  • answer all of your questions frankly and honestly
  • stop creditors from harassing you by phone, and
  • take care of all bankruptcy paperwork on your behalf
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To me, nothing had felt scarier or more embarrassing than to acknowledge that we were getting deeper into debt everyday. I felt like we were living a lie to everyone around us, it was impacting our marriage, my self-confidence, everything. The only thing holding me back was being scared to make the call and schedule a meeting. It made it all more real. But I got brave and knew that with one call my life would turnaround. And it did. David made me feel immediately comfortable and I never felt judged or small. In fact, I left our first meeting feeling proud that I had acknowledged the problem and was taking steps to move through it. I would recommend David and the team to anyone who feels even slightly uneasy about their financial situation. Best call I ever made.

Why We’re Different From the Others

When faced with financial stress, panic will set in and hasty decisions can be made. We want to be the first call you make, the ear to listen to your story and questions, and the shoulder you need to help you up and through this time of uncertainty. Our clients choose us to help because of our over 55 cumulative years experience, and they feel we treat them like family. We genuinely care about your well-being and will only send you on your way when we know you feel financially confident.