We are


How Our Process Differs from Private Companies

Our process at Reynolds & Associates Inc. is different from other debt relief services. With us, there are no payments upfront, ever. Only if your debt  settlement is accepted do you pay any money.

There is legal protection from creditors even from the government collecting income taxes.  This means you and your pay cheques are safe. Also, we do not have to get every single creditor to accept your debt settlement. The creditors get to vote and if the majority votes yes, it’s legally binding on all creditors, even if some of them said no.

Licensed by the Government for Debt Settlements

When you come to Reynolds & Associates Inc., you get peace of mind in the knowledge that we are licensed by the Canadian Government and are experts in handling your debt settlement process.

We submit consumer proposals, which involve a legal stay of proceedings, meaning our customers cannot be contacted by their creditors for 45 days. During this time, your creditors must decide if they wish to accept our offer or refuse it. This allows each creditor to know what they’re getting back, and if 50.01% of your creditors accept the deal, then it becomes a legally binding agreement. We do not ask you to pay for our services upfront, and we can deal with any kind of debt you may have, including mortgages, student loans, income taxes, etc.

Book an Appointment

Schedule Your Free, Confidential Consultation Today

Take care of all of your creditors in just one proposal when you contact Reynolds & Associates in the Sudbury area. Please contact us today to schedule your free, confidential consultation!

January 2020
Sun Mon Tue Wed Thu Fri Sat

Prefer to call?

Sudbury: 705-560-HELP (4357)
North Bay: 705-495-HELP (4357)
Espanola: 705-869-HELP (4357)
Sault Ste. Marie: 705-759-HELP (4357)

Or email?

Email: [email protected]


Sudbury: Monday – Friday: 8:30 AM – 5:30 PM​
North Bay: Monday – Friday: 9:00 AM – 5:00 PM
Espanola: By appointment only
Sault Ste. Marie: Monday – Friday: 9:00 AM – 5:00 PM