Few people have the ability to put you immediately at ease from
the outset of a conversation. Tim Geary is one of those rare people. As the
newest addition to our senior team, Tim heads up Fuller
Landau's Consumer Insolvency division, bringing with him
over 25 years of expertise in the field.
A Licensed Insolvency Trustee, Tim was formerly a
sole-practitioner of a highly-regarded consumer debt management
firm, Geary & Company Ltd., which he founded in 1990. Since
that time, he has gained a well-deserved reputation for his
genuine, empathetic, and results-oriented approach to working with
clients in financial stress.
Over the years, you've helped thousands of clients find
relief from their debt, at Geary & Company Ltd. Why did you
ultimately decide to merge with Fuller Landau, a mid-sized
professional services firm with offices in Toronto and
This is a time of economic uncertainty and difficulty for many
people, and as a result, consumer debt is at an all-time high.
Every day, I meet with people who are experiencing financial
difficulties and great amounts of stress and anxiety. The burden of
debt is all-consuming, and they come to me looking for solutions. I
take my commitment to providing personalized and one-on-one client
service very seriously, and it's important that I have the
capacity to help each client accordingly. By joining the team at
Fuller Landau, we broaden our access to resources and expertise,
and my clients continue to benefit from attentive service.
Why Fuller Landau?
Fuller Landau has an outstanding reputation in the marketplace
and has been in business for over 50 years. In addition to
accounting, tax and business advisory services, they have also
provided corporate restructuring and insolvency services for a
number of years. For a firm that has always been on the lookout for
opportunities to grow strategically, launching a consumer
insolvency division was a natural extension of their service
offering. Fuller Landau already has a number of Licensed Insolvency
Trustees on the team, and I'll be working closely with them to
resolve the financial difficulties of our customers. It's a
team that I feel very good about. We share the same values when it
comes to putting the client first, and getting results. It's a
great fit, and I'm excited about what's to come.
So what exactly is your approach, when working with a
customer in financial distress?
First and foremost, I make a concerted effort to understand my
customer's specific situation. This is likely a very difficult
time in their lives, and they need someone who can listen
attentively and without judgment. Many clients assume that
bankruptcy is their only course of action, but that's not the
case. A variety of options exist for resolving debt. My objective
is to carefully explain each option, and help the customer
understand which option is best for them. As Licensed Insolvency
Trustees, my team and I at Fuller Landau are fully equipped to move
forward with the best solution, whether it be filing for bankruptcy, negotiating a consumer proposal, advising on debt consolidation, or simply counselling them
on sound credit management. Ultimately, our goal is to
help them get a fresh start, and take back control of their
So what changes, and what stays the same?
My staff and I will continue to operate at the same location on
Bay Street as Fuller Landau's consumer insolvency division,
until the New Year. At that point, we'll relocate to Fuller
Landau's existing Toronto office at Bloor/Avenue, to join the
rest of the consumer insolvency team. I will continue to be
responsible for current client files and my availability for
consultations and inquiries remains unchanged. Going forward,
clients will benefit from the additional team resources at Fuller
Landau. Our commitment to providing personalized and attentive
service – while finding solutions – is unwavering.
The content of this article is intended to provide a general
guide to the subject matter. Specialist advice should be sought
about your specific circumstances.
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Despite there being no distinction of a true or finance lease for purposes of the requirement of registration under the Ontario Personal Property Security Act (PPSA), there is an important difference in cases of insolvency or default.
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