Trade it in, file bankruptcy, or let it get repossessed. Every "way out" you've been handed is just another door for the creditor to kick in. Olive Bunker is something else: a fast, dignified exit, with your bank account and your credit shielded.
No judgment. No cost to you. Usually handled in 24 to 48 hours.
If you're behind on a vehicle, these are the only choices most people are ever told they have.
Bury the negative equity in your next car. It's the most common move, because it works… for a while. But it magnifies the problem and kicks it down the road.
A Licensed Trustee is excellent at solving unsecured debt, but not as efficient on a secured car loan. Depending on the province, the creditor can keep coming after you long after the process and add a shortfall, growing your exposure.
Miss the payments, the creditor hires a bailiff, and we've all seen the TV show. It happens on their timeline, on their terms, and the hit follows you.
Notice what they share? They're all doors, and the creditor decides when, and how hard, they get kicked in.
Doors get kicked in. A walled garden has a gate you control. You're protected inside it, not trapped.
Here's how it works without the jargon: we bring your creditor a settlement so worth their while they'd rather take it than chase you. It's not charity. It's just a better deal for them than the alternative, and it comes with conditions.
When the creditor takes the deal, here's what the next two days look like for you.
The vehicle is off your hands fast. No drawn-out limbo waiting for the other shoe to drop.
A settlement looks far better to an auto lender than a repossession, so you'll be in much better shape to finance your next vehicle when you're ready.
Payments and collection pressure end. No daily phone calls, and no scramble to open a new bank account.
It lands on your report as resolved instead of a repo, so you can start rebuilding much sooner.
You talk to someone who's done this hundreds of times and won't make you feel small. Straight answers, no shame.
No guarantees, and we won't pretend otherwise. If a creditor won't come to the table, it's business as usual: a standard repossession. The one thing we still bring is a peaceful, respectful pickup instead of a bailiff at your door. Not optimal, but better. You can't end up worse off for asking.
No paperwork to figure out alone. No homework. Just a conversation to start.
Use the chat window to book a time for a call. It's free, private, and there's zero obligation.
We go over the vehicle, the loan, and what you're up against, and tell you straight if we can help.
If it's a fit, we take it from there and get the weight off your shoulders.
Real relief, in their words.
I was three payments behind on a truck I owed twelve grand more than it was worth. I thought my only choice was bankruptcy. The car was gone in two days and the phone calls just… stopped. I can breathe again.
The collection calls were every day, sometimes at work. Within a week of talking to them it was handled and the harassment ended. I didn't even have to change my bank account.
I figured my credit was wrecked no matter what. They explained how this lands on your report and it's already starting to recover. Nobody else even mentioned that part.
I was embarrassed to even make the call. There was zero judgment, just a straight answer and a plan. Felt like having someone actually in my corner for once.
A buddy who'd been through it sent me their way. Best favor he ever did me. I've already passed the name to two other people.
My bank wouldn't play ball, so it ended up being a normal repo, but it was still off my hands in 48 hours and I knew exactly what was coming. No surprises, no runaround. That alone was worth it.
One free, private conversation. No obligation, no judgment, just a clear answer about the calmest way out.
Use the chat window to book a time for a call, any time, day or night.
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