debt care services English Site

Nuestra Historia

Porque Elejir DebtCare?

DebtCare Canada es una Empresa consultora de crédito, cuyo objetivo se basa en ayudar a todos aquellos abrumados por deudas. No somos síndicos de quiebra. Los síndicos dicen mantener un rol neutral entre usted y su acreedor, pero su responsabilidad es la de maximizar la cantidad que usted paga a sus acreedores. Además, ellos cobran un porcentaje de lo que el deudor (usted) le paga al acreedor. Por lo contrario, DebtCare Canada actúa a su favor, con el objeto de asegurar que usted obtenga los mejores resultados posibles, mediante la utilización de los programas del Gobierno Federal y otras soluciones financieras disponibles a todos los ciudadanos canadienses.

Hemos ayudado miles de canadienses a comenzar a vivir libre de deuda – Permítanos ayudarlo!

Meet The Team:

Michael Goldenberg debt counselor

Michael Goldenberg is the founder and President of DebtCare Canada Inc. With an extensive background in business management, Michael spent 20 years operating a commodity trading firm. During that time he served as a financial mentor, providing counselling to many individuals struggling with debt. This prompted the inception of DebtCare Canada, whose mission is to provide individuals, families and businesses a solution to their debt problems with one of DebtCare’s customized debt management programs. Michael brings his experience, passion and full commitment to each client he serves. Contact Michael at: Read Michael’s full Bio Here.


Sarah Mitchell is a Senior Debt Consultant and the Director of Settlements at DebtCare Canada. She has obtained an Honours Bachelor degree in applied economics from Queen’s University . Sarah has accumulated almost a decade of experience in a variety of enterprises focusing on business development, finance, human resources, debt counselling and credit management. Over the years, Sarah is proud to have helped many persons change and improve. She has enabled clients to obtain financial freedom which has, in turn, empowered them to restart their personal and work lives. Contact Sarah at:


Pam Shimmerman graduated from Ogsoode Law School and the Schulich School of Business with both a law degree and a business degree. Pam is a mother of three with a special needs child and cares about people. While Pam could have used her law degree to embark upon a lucrative career in business law, she chose instead to use it to make a difference – advocating for people who are in financial crisis and who don’t have the resources that their creditors have. Pam creates a level playing field for our clients. Pam applies her legal “know how” to stop collectors in their tracks, providing the breathing room for our clients to be able to make financial choices with a clear head. Pam spent many years practicing law within a large financial institution, guiding corporate clients through the structuring and re-structuring of their debt. In complex situations, Pam is able to lend her legal expertise so that our clients have a plan that best protects all of their interests. Pam decided to join DebtCare Canada because of her commitment to help people deal with their debt. Coupled with her legal and business background, Pam is compassionate and offers our clients additional insight into their financial situations to help them get back on their feet. Pam also prepares wills, powers of attorney, and affidavits and can represent DebtCare Canada clients with respect to mediation requirements, discharge hearings, student loan write off requests and proposal reinstatement hearings. Pam also facilitates corporate and strategic referral relationships for DebtCare Canada. Contact Pam at:

Karen Goldenberg is the Director of Community Outreach at DebtCare Canada. Her primary focus is DebtCare Canada’s WeCare Canada initiative. Heading up WeCare Canada, Karen will build awareness of Debtcare’s public education programs that assist people to overcome debt and develop financial management skills. Karen Goldenberg is a senior executive with proven expertise in building businesses, driving growth, competitive position and value. Former CEO of JVS Toronto, Karen has been recognized for her leadership and excellence in leading JVS to become a preeminent career and vocational agency serving over 20,000 people annually. Karen is a visionary with demonstrated strategic planning and business development skills. She has founded and led private and non-profit charitable health, education and social service agencies. Karen started her career as a therapist and combines her clinical interest with policy and program development . She attributes her success to always focusing on the needs of the client, developing innovative solutions, building strong relationships and delivering value. Recognizing that the issue of debt has become an epidemic in Canada, Karen looks forward to continuing her work in the community with DebtCare, making a difference to Canadians who are struggling with debt. Contact Karen at:

Philip Morris is a Senior Debt Consultant at DebtCare Canada based in Vancouver and covers Western Canada. Philip brings us over 30 years of international banking, educational and business experience with major world-wide organizations in the United Kingdom and Canada. This experience is invaluable to DebtCare coupled with the fact that he knows how banks and credit card companies really work. Philip is a passionate advocate of “financial education” who possesses the heart of a teacher, and is on a mission to assist individuals and families of all ages become debt free. Teaching people “How Money Really Works” at workshops and delivering debt seminars are his forte. He is very excited about continuing this facet of DebtCare Canada’s business across the country. With his empathetic style of leadership he is determined to provide financial knowledge to Canadians and thereby empower them to make well informed and educated decisions for themselves and their families. Contact Philip at:

Natalie Behar is the Office Manager and Business Development Coordinator at DebtCare Canada. She obtained her CAIRP Insolvency Administrator certification while working as an Estate Assistant at Deloitte & Touche Inc., where she specialized in personal debt restructuring. At York University, Natalie obtained a bachelor’s degree in sociology, which she utilizes in her work with our Community Outreach team. In addition to serving as the first point of contact for new clients, Natalie manages the WeCare Day Initiative and collaborates with DebtCare’s President to grow the company’s services portfolio. Natalie’s experience working in various sectors has given her a comprehensive understanding of the complex relationship between Canadians and their debts. Contact Natalie at:

Jillian Klein is a certified BIA Credit Counsellor. She runs DebtCare Canada’s rehabilitation program and helps our clients plan to build a brighter financial future. Upon graduating with an Honours Bachelor degree from the University of Western Ontario Jillian then completed another Bachelor degree in Education at the University of Toronto. She has formerly been an educator for 15 years with the Toronto District School Board. Having worked with many friends, colleagues, families and clients; Jillian has assisted them to find a financial balance and budget in their lives. She has used community resources and networks to connect individuals to the proper facilities and to get them back on track. At DebtCare Canada Jillian helps clients regain control of their finances and learn how to live debt free.

Elizabeth Tilley is a certified BIA Credit Counsellor and has been helping people manage their money for 25 years. Her experience includes working as a family services worker, bankruptcy and consumer proposal counsellor, facilitating money management workshops for high schools, non-profit housing groups and women’s shelters in Peel Region, and managing the financial counselling department of a major Peel Region non-profit agency. Elizabeth is dedicated to helping the firm’s clients understand how to rebuild their finances, including the decisions that affect their budget on a daily basis.


Frann Rasminsky is a licensed credit counsellor. She brings 38 years of educational and business experience. Frann is a business graduate with a Masters Degree in Education who taught financial accounting, business management and mathematics. She consulted to the Ministry of Education and acted as an Associate Instructor for the Faculty of Education. Frann mentored many persons to pursue success in their financial planning , professions and businesses. Frann has been associated with accountants and the financial restructuring industry including many of its active professionals. She is committed to assisting our clients to realize their dreams through an understanding of the advantages and disadvantages of credit and the importance of budgeting.