Fresh Start

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Helping You With Your Debt So You Can Get A Fresh Start

BDO First Call Debt Solutions has partnered with Towers Realty Group to help you improve your finances, pay off debt, and qualify for an apartment lease. We know it can be frustrating to have a rental application rejected due to poor credit or too much debt, but we’re here to help. Our Licensed Insolvency Trustee (LIT) in Winnipeg can offer you a solution to help pay off debt, and then refer you to Towers Realty Group for a new apartment.

  • Set up an appointment with a BDO debt help professional in Winnipeg or Brandon.
  • They will listen carefully as you describe your situation, and then explain every option to help you pay off debt, including a consumer proposal or bankruptcy.
  • If you decide to file a consumer proposal or file for bankruptcy to reduce your debt, and make the required payments for four months, your LIT will then recommend you to Towers Realty Group for a rental.

Make BDO Your First Call For Debt Relief

Your new apartment can help you build your rental history.

BDO First Call Debt Solutions has been helping clients pay off debt since 1958. Our local team in Winnipeg includes credit counsellors, proposal administrators and a Licensed Insolvency Trustee (LIT) that are licensed by the federal government to address your debt concerns.

At BDO, we take the time to listen and clearly understand your financial situation in order to find the best debt solution for you and your family. Our licensed debt help experts will explain every option available to you, including budgeting, credit counselling, debt consolidation loans, debt management plans, consumer proposals and filing for bankruptcy.

If you have already filed a consumer proposal or a bankruptcy, and are working on paying off debt, you can start rebuilding your rental history by making monthly rent payments on your apartment. Ask your Licensed Insolvency Trustee at BDO for a referral to Towers Realty Group to get your rental application started.

Helping You Get Approved For An Apartment

At Towers Realty Group we understand that sometimes life happens. That is why we have partnered with BDO First Call Debt Solutions, to help find a path to approval for those applicants who are declined due to credit issues, but who meet all other approval requirements.

Towers Realty Group Approval Requirements:

Towers Realty Group requires our applicants meet minimum requirements for approval. We are hired to manage properties on behalf of landlords and property owners, and we have a responsibility to ensure that we do our due diligence in selecting applicants to approve for tenancy in the properties we manage. We have set minimum standards to ensure that all applicants whom we approve will be tenants in good standing once taking up residence in their new home.

During the application process we will verify an applicant’s income to ensure minimum standards are met with regard to percentage of income dedicated to rent. We also require that applicants pass a credit check in order to obtain approval for tenancy. Some minor credit issues may require a Guarantor for approval. Any major credit issues discovered could result in a refusal and may disqualify a potential applicant even if they are able to provide a qualified Guarantor.

We further require that Applicants have a positive past rental history. We obtain this by inquiring directly with each applicant’s previous or current Landlords. We also review an applicant’s past rental history on file with the Residential Tenancies Branch and the Manitoba Court of Queen’s Bench.

BDO First Call Debt Solutions Winnipeg

26th Floor – 201 Portage Avenue
Winnipeg, Manitoba R3B 3K6
(204) 944-4444

BDO First Call Debt Solutions Brandon

148-10th Street
Brandon, Manitoba R7A 4E6
(204) 728-8888

Fresh Start brochure


What is Fresh Start?

Fresh Start is a brand-new debt solutions program that can help Manitobans quality for a new lease and a new lease on life. It’s a partnership between Towers Realty Group and BDO First Call Debt solutions, that combines an action plan to reduce debt and then a referral for a rental opportunity.

How does the Fresh Start program work?

Fresh Start helps motivated individuals move towards their new future. The program coordinates the process that help people improve their finances, pay off their debt and qualify for a new rental unit:

First, you are paired with a BDO Licensed Insolvency Trustee in Winnipeg or BrandonThen the Licensed Insolvency Trustee will learn more about your situation and present and explain every option to pay off your debt. This may include a consumer proposal. Once you make the required payments for four months, your Licensed Insolvency Trustee with recommend you to Towers Realty Group for a rental.

Does the Fresh Start program involve filing for bankruptcy?

No. The Licensed Insolvency Trustee may suggest a consumer proposal, which consolidate debts into a single monthly payment. It also stops additional interest from accumulating while creditors are paid a portion of the money owed.

Who can be a part of the Fresh Start program?

The program is for anyone who is facing significant debt that is keeping them from moving ahead in their lives. If you’ve applied for a rental property and been denied because of your current debt, Fresh Start can help you. Also, anyone who successfully works with BDO to reduce their debt, and they meet other criteria, can ask for a referral to Towers for a new home from our wide range of properties.

Why did you create the Fresh Start program?

Towers Realty Group is a Manitoba-based company and we are committed to helping improve the lives in which we work and live. We saw a need – statistics show that Canadians are carrying more debt than ever before and last year one-third of applicants to rental units were declined due to unsatisfactory credit. Putting together a debt-solutions program that helps people qualify for new lease was a natural fit.

How long does it take to complete the Fresh Start program?

Fresh Start offers a customized program for each individual that creates an action plan to help reduce debt. What is unique about Fresh Start is that when the participant reaches the milestone of making the required payment for four months, they are directly referred to Towers Realty Group for a rental opportunity and they can move forward in their life.

If somebody is declined to rent an apartment, what are their options? What happens to the person while they are in the program?

Now, when someone completes the Fresh Start program, they will have a referral from BDO for a rental with Towers, and their current credit report will be overlooked. Applicants will still need to meet all other requirements, such as income verification and rental history.