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Tungkol sa Amin

Tungkol sa DebtCare Canada

Ang DebtCare Canada ay isang Debt Consulting organization (Pampinansiyal na Organisyon) na ang pangunahing misyon ay tulungan ang mga Canadians na nahihirapan sa kanilang pamumuhay dahil sa kanilang mga utang. Kami ay hindi “Trustee in Bankruptcy”. Ipinapahayag ng mga “Trustees” na sila ay namamagitan lamang sa inyo at sa inyong mga pinagkakautangan, nguni’t ang kanilang pangunahing responsibilidad ay palakihin ang dapat ninyong ibayad sa inyong mga pinagkakautangan. At ang mga Trustee ay kumukuha ng porsiyento sa inyong ibabayad sa inyong mga pinagkakautangan. Ang layunin ng DebtCare Canada ay mapangalagaan ang inyong interes upang kayo ay makahanap ng tamang solusyon sa inyong suliraning pampinansiyal. Ginagawa nila ito sa pamamagitan ng paggamit ng mga programa ng Pamahalaang Pederal o paggamit ng iba’t-ibang uri ng solusyon na aangkop sa inyong sitwasyon na makakatulong rin para mapanatili ang inyong dignidad.

Libu-libong Canadians na ang aming natulungan upang mawala ang kanilang mga utang at upang sila ay makapagsimulang muli—–Hayaan ninyong kami ay makatulong sa inyo!

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:

Sarah Korolik is a Customer Service Manager and Front Liner at DebtCare Canada. With an extensive background in customer service and business communication, combined with over 5 years of industry experience at Deloitte and Farber Financial Group, Sarah has an excellent grasp for assessing difficult financial situations. Her understanding of the impact and toll financial stress can place on a family’s life allows her to empathize and connect with DebtCare’s clients. Sarah’s knowledge gives her the ability to walk individuals through the different programs available to them and find the solution that best suits their needs. Contact Sarah at:

Andrea Valdes es Asesora Financiera de DebtCare Canadá. A partir de que obtuvo su licenciatura en York University, se ha desempeñado como Coordinadora de Desarrollo de Negocios y Comercio para Rogers y MCIS Languages Services. En la presentación de evaluación financiera que realiza para sus clientes, les proporciona, la visión y el apoyo necesario para la creación del plan de acción el cual contiene la información precisa, que les garantiza un futuro financiero estable. Andrea se ha caracterizado por otorgar un servicio profesional de alta calidad, teniendo como valores principales el compromiso y respeto hacia sus clientes. Andrea habla fluido en Español Inglés. Contáctala en:

Kristin Chen is a Financial Restructuring Specialist at DebtCare Canada Inc. After graduating from the University of Windsor with a Masters Degree in Finance and Accounting, she worked as a legal assistant for a law firm specializing in the areas of real estate and property management. Working in these fields, Kristin became aware of the financial management problems many Canadians are faced with every day. This led her to her interest in helping these individuals by joining DebtCare Canada. Kristin is fluent in Cantonese, Mandarin and English and paired with excellent client service skills, she promises to offer the best care and service to Chinese community across the country. Please contact her by email at:

Naomi Cho is a Debt Management Consultant at DebtCare Canada. Naomi’s educational background is in Japanese linguistics. In Korea, Naomi served for 2 years as a financial consultant offering personal loans to Korean individuals and families. During this time, Naomi discovered her strong passion for helping people and great personal satisfaction in assisting them through their financial hardships. Joining DebtCare Canada in 2014 has allowed her to help individuals and families deal with their financial problems and gain control of their lives. Naomi continues to build strong ties in the Korean Community all across Canada. She is committed to providing a high level of integrity, timely service and professional advice. She is fluent in English, Korean and Japanese. Contact Naomi 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.