Where are you right now?
Pick the one that sounds most like you. Each card points you to the questions that fit.
Considering a consumer proposal
Thinking about a proposal? Learn what it is, and who gives the advice.
You're dealing with overwhelming debt
If missed payments, collections, or too much debt is what's holding back your approval, Jim can look at the full picture with you. He'll help you understand what's causing the issue and what realistic options exist — including debt reduction solutions that Legacy works alongside.
You've filed for bankruptcy and you're trying to recover
Bankruptcy stays on your credit bureau for 6–7 years for a first bankruptcy. But that doesn't mean you're frozen for that whole period. Jim will help you understand what's on your report, what lenders look for during and after bankruptcy, and how to start building positive history — starting with your Legacy lease or loan payments — right now.
You don't fully understand your credit report
You can request your credit report from Equifax and TransUnion for free. But reading it is a different skill. Jim can walk you through what the entries mean, what's hurting your score the most, and what you can actually do about each one.
Credit Helpers Questions
Yes. Completely. There's no catch, no obligation to purchase a vehicle, and no fee. Jim's consultations are available to all Legacy Auto Credit customers and prospective customers as part of how we operate. We believe informed customers make better decisions — and better decisions lead to better outcomes for everyone.
No. If you're considering a vehicle through Legacy Auto Credit and you have questions about your debt or credit situation first, Jim is available for that conversation. You don't have to have purchased anything from us to book a consultation.
A Licensed Insolvency Trustee (LIT) is a federally regulated professional who administers insolvency proceedings — they file the actual consumer proposal or bankruptcy on your behalf. Jim is a CAIRP-certified insolvency counsellor who provides education, guidance, and counselling around debt and credit. He can help you understand your options and work alongside a trustee, but if you need to formally file, we can introduce you to trusted LITs we work with across Ontario.
No. A consultation with Jim is a conversation. No credit inquiry is made. Nothing is filed or recorded in your name unless you choose to take formal action through a Licensed Insolvency Trustee — which is an entirely separate step that you would initiate yourself.
Book a call with Jim. He'll pull your current credit profile with you and map out exactly where you are on the path to near-prime and prime credit — and what specific steps will move you there fastest. This is one of the most valuable conversations a long-term Legacy customer can have.
CAIRP stands for the Canadian Association of Insolvency and Restructuring Professionals. It is the national professional association for insolvency and restructuring practitioners in Canada. CAIRP members are held to a professional standard and continuing education requirements. Jim Ferguson's CAIRP certification is a mark of genuine expertise in this field — not a marketing title.
Your Financial Future Starts with a Conversation
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Contact Us
Tel. (519) 507-2277
contact@legacyautocredit.ca
131 Kincardine Road Walkerton, ON
