Why Choose DebtCare?

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: mgoldenberg@debtcare.ca. 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: smitchell@debtcare.ca

Pam Shimmerman graduated from Osgoode 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: pshimmerman@debtcare.ca

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: kgoldenberg@debtcare.ca

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: avaldez@debtcare.ca

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: kchen@debtcare.ca

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: ncho@debtcare.ca

Zuleykha (Zula) Safarova is the Office Manager, Executive Assistant and a Financial Restructuring Specialist at DebtCare Canada Inc. She graduated from the Seneca Campus at York University with a Bachelor’s Degree in Social Services, focusing on Immigration and Refugees. Zula speaks fluently in Spanish, Russian, Turkish, Azeri, and English. Her previous experience working as a legal assistant in immigration and with her love for helping new immigrants, has driven her to join the Debtcare team. Zuleykha now takes great pleasure in assisting Spanish and Russian families all over Canada, to better manage their finances and get out of debt. Contact Zuleykha (Zula) at: zula@debtcare.ca