Maria Rickard & Associates Inc. helps you overcome your financial problems. Located in Toronto, we specialize in bankruptcies, debt consolidation, consumer proposals, and insolvencies. Contact us today!With over 14 years of experience as insolvency consultants, we at Maria Rickard & Associates Inc. believe in providing financial rehabilitation for all. Certified by CAIRP and ACFE, we offer services like debt management, creditor arrangements, consumer proposals, credit card problems, and more. Each of our customers is important to us. We assess your problem first and then provide a thorough explanation of the options available. We offer free consultations to help you manage your finances better.more...See more text