D. Thode & Associates Inc.

Home
Canada
Kelowna, BC
D. Thode & Associates Inc.

Call Directions Website Contact the business

Licensed Insolvency Trustee specializing in Consumer Proposals and Personal Bankruptcies.

11/03/2026

What is the difference between a consumer proposal and bankruptcy in Canada? A consumer proposal lets you keep your assets and repay part of what you owe over time. Bankruptcy is a legal process where you are released from most debts, but some assets may be sold. A Licensed Insolvency Trustee can compare both with your real numbers. Call 1-866-712-5353. Full answer on our site: https://www.outofdebt.ca/post/what-is-the-difference-between-a-consumer-proposal-and-bankruptcy-in-canada

11/03/2026

Debt collectors must follow rules in British Columbia—and knowing your rights can make creditor pressure feel far more manageable. Learn what collection agencies can and cannot do, how to respond to contact, and when professional guidance may be appropriate. With clear information and compassionate support, you can begin protecting your peace and taking back control of your finances.

https://outofdebt.ca

11/01/2026

Raising a family while facing overwhelming debt can feel isolating, but single parents in BC have options. Our latest article explains how debt relief programs—including consumer proposals and bankruptcy—may help reduce creditor pressure and create a manageable path forward. With guidance from a licensed insolvency professional, you can understand your rights, protect what matters, and move ahead without judgment. Discover what support may be available for your situation.

https://outofdebt.ca

10/30/2026

Debt can affect an entire household, creating stress, uncertainty, and difficult conversations about the future. Our family debt recovery guide for Canada and BC explains how to respond to creditor pressure and understand options such as debt consolidation, consumer proposals, and bankruptcy. With clear, compassionate guidance from licensed insolvency professionals, families can replace confusion with a practical path toward financial recovery.

https://outofdebt.ca

10/28/2026

Will I lose my house or car in a consumer proposal? Generally, no. In a consumer proposal, you keep your assets. That includes your home and your car. I'm Doug Thode, a Licensed Insolvency Trustee in Kelowna, helping people across the entire province of British Columbia and the Yukon. Full answer: https://www.outofdebt.ca/post/will-i-lose-my-house-or-car-in-a-consumer-proposal-in-bc Call 1-866-712-5353 or visit outofdebt.ca

10/28/2026

Worried that filing a consumer proposal will prevent you from ever qualifying for a mortgage? The answer depends on factors such as your credit history, down payment, income, and how long it has been since your proposal was completed. Our latest article explains what lenders may consider and how a consumer proposal can help you regain control of your finances without closing the door on future homeownership.

https://outofdebt.ca

10/26/2026

An inaccurate debt can add unnecessary stress to an already difficult financial situation—but you may have options. Our latest article explains how to review disputed accounts, gather supporting records, and communicate with creditors clearly and confidently. If collection calls or confusing account details are making it hard to regain control, understanding your rights is an important first step toward a practical solution.

https://outofdebt.ca

10/24/2026

Falling behind on a car loan can feel overwhelming, especially when debt collectors are calling and you’re unsure what happens next. This article explains how missed payments, repossession, bankruptcy, and consumer proposals may affect your vehicle and your broader financial situation. With guidance from a licensed insolvency professional, you can understand your rights and make a practical, informed decision without judgment or pressure.

https://outofdebt.ca

10/22/2026

Expecting a tax refund but worried the CRA may take it? In British Columbia, the CRA can redirect a refund toward certain government debts, leaving households already under financial strain with even less room to manage essentials. Our article explains when a refund seizure may happen, what it could mean for your finances, and how options such as a consumer proposal or bankruptcy may help. Clear, reliable information can make an overwhelming situation feel more manageable—and help you take the next step with confidence.

https://outofdebt.ca

10/20/2026

When debt feels overwhelming, choosing between consolidation and refinancing can be difficult—especially when creditor calls and rising payments add to the stress. This guide explains how each option works, what to consider, and when formal debt relief solutions such as a consumer proposal or bankruptcy may be more appropriate. With guidance from a licensed insolvency professional, you can better understand your rights and choose a path that fits your circumstances.

https://outofdebt.ca

Address

1100-1631 Dickson Avenue
Kelowna, BC
V1Y0B5

Telephone

+12507125353

Website

http://www.outofdebt.ca/

Alerts

Be the first to know and let us send you an email when D. Thode & Associates Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.