On November 6, 2015, I had a telephone conversation with Alan Farber, Founder and Joint Managing Partner of Farber Financial Group, at which time I asked him about the relationship between several debt consultants and Farber and Partners Inc., Bankruptcy Trustees.

In a letter dated November 9, 2015, that I received from Ms. Melanie Wengle, a trustee at Farber & Partners Inc. she concedes that Farber & Partners has received referrals  from Debt Relief Canada Inc., the firm it shares a suite with at 30 Duke Street West, Suite 507, Kitchener, Ontario.

Here is an excerpt at the top of page two from Melanie Wengle's letter to me dated November 9, 2015.

There are a number of potential ethical issues which arise from a bankruptcy trustee sharing office space with a bankruptcy trustee--particularly when the debt consultant is referring consumers to the bankruptcy trustee with whom it shares office space.

This photograph was taken at 30 Duke Street West, Suite 507, Kitchener, Ontario.  According to its website, reliefcanada.ca,  Debt Relief Canada Inc. is a debt consulting firm whose homepage contains the phrase "We are NOT bankruptcy trustees".  In September of 2015 we mystery shopped Debt Relief Canada on multiple dates--armed with hidden video camaras--and each time Rebecca Schaafsma, Debt Relief Canada Inc.'s debt counsellor, not only recommended that our undercover operative do a consumer proposal but also that they do it through a trustee working for Farber & Partners Inc.

In September of 2015 we arranged to have multiple mystery shoppers meet with Rebecca Schaafsma, Debt Relief Canada Inc.'s Kitchener, Ontario-based insolvency counsellor, who works out of 30 Duke Street West, Suite 507--the office shared with Farber & Partners, Bankruptcy Trustees.  Each time Ms. Schaafsma recommended not only that our undercover operative make a consumer proposal but also that they do so with a trustee working for Farber & Partners Inc.

Farber & Partners Inc. concedes that is has received referrals from Debt Relief Canada Inc., a firm with which it shares office space in Kitchener, Ontario

During my November 6, 2015, telephone conversation with Alan Farber I asked him about the office suite located at 30 Duke Street West, Suite 507, in Kitchener, Ontario, which was shared by Debt Relief Canada Inc. and Farber and Partners Inc., Bankruptcy Trustees.

Questions about the relationship between several debt consultants and Farber and Partners Inc., Banktruptcy Trustees


During this frank discussion I asked Alan Farber a number of questions regarding the relationship between several debt consultants--including Michael Cox of Prudent Debt Consulting and Rebecca Schaafsma of Debt Relief Canada Inc.--and Farber  & Partners Inc., Bankruptcy Trustees.



Ethical issues arising from Debt Relief Canada Inc. sharing office suite with Farber & Partners Inc.


Federally licensed bankruptcy trustees are required to comply with the Code of Ethics For Trustees in Bankruptcy.

Office shared by Farber and Partners Inc., Bankruptcy Trustees, and Debt Relief Canada Inc. in Kitchener, Ontario

On November 6, 2015, I had a telephone conversation with Alan Farber, Founder and Joint Managing Partner of Farber Financial Group.  Near the very beginning of this phone call Alan Farber expressly consented to having this phone call recorded.

What we learned mystery shopping Rebecca Shaafsma of Debt Relief Canada Inc. at its Kitchener office

When I asked Alan Farber about this shared office space he made the following comment.


"We never share these offices with debt consultants"

Alan Farber

Founder and Joint Managing Partner

Farber Financial Group

This is a screenshot of the top portion of page two of a two-page letter dated November 9, 2015, sent to me by Ms. Melanie Wengle who is not only a lawyer but also a trustee with Farber & Partners Inc. Bankruptcy Trustees.

Debt Relief Canada Inc.

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