Manage Bankruptcy in St. John's with Noel R. Andrews & Associates Inc.

Personal bankruptcy is a legal process designed to help people who find themselves in serious financial difficulty. It is usually the last resort for dealing with financial problems. Before getting to this point, people usually consider other options, such as credit counselling and/or a proposal to creditors.


In order to qualify for personal bankruptcy, an individual must meet the following criteria:

  • Owe at least $1,000.
  • Be insolvent. This means that your debts are greater than the value of your assets.
  • Be unable to meet your debts as they become due.

If a personal bankruptcy seems to be your only choice, it will stop the creditors from calling you and demanding payment or garnishing your wages.


If this sounds like your situation, you can speak with our trustee, Noel Andrews, who has 32 years of experience in helping people like you. Please call 709-722-5741 or 1-800-285-8870. This consultation is free of charge.

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