Meet THE BNA TEAM
The team that’s always in your corner
Behind every file is a real person. Behind every conversation at BNA is a team that understands how personal debt can feel. Our Licensed Insolvency Trustees bring legal authority to provide federally regulated debt solutions that can legally stop most collection actions and help people move toward financial stability. But what sets us apart is how our team at BNA treats you through every step of it.
BNA Debt Solutions
Why working with the BNA team feels different
Not every debt service offers the same level of legal authority or personal support. At BNA, our team is built around Licensed Insolvency Trustees and experienced restructuring professionals. That means clients receive both formal legal options and direct human guidance.
We are officers of the court
As Licensed Insolvency Trustees, we can use formal legal tools under federal law to put real protection in place.
We handle the “messy middle”
From CRA tax debt to more complex files involving assets, divorce, or business obligations, our team has experience with situations that require more care and coordination.
We are fluent in your reality
Our team offers judgment-free support in English, Punjabi, Hindi, and Urdu, so conversations can feel clearer and more comfortable from the start.
We stay until the finish line
We stay involved from the first conversation to the final step. We help you understand what’s happening and what comes next.
About us
The experts fighting for your financial freedom
These are the people who will actually be in your corner. Get to know them.
Lanaia Nykyforuk
Managing Partner, CPA, CIRP & Licensed Insolvency Trustee
The strategist for complex corporate and tax-driven debt.
Rare Dual-Expertise: CPA and Licensed Insolvency Trustee.- Specializes in corporate-natured files and high-stakes asset protection.
Harman Buttar
Managing Partner, CIRP & Licensed Insolvency Trustee
The advocate who takes on the complex files others reject.
- Leads BNA’s first-call experience with calm, honest, judgment-free guidance.
- Multilingual Support: Fluent in English, Punjabi, Hindi, and Urdu.
Barry Nykyforuk
Founder & Licensed Insolvency Trustee
The founder who helped shape BNA’s standard of care.
- Nearly three decades of insolvency experience.
- Focused on long-term planning and complex debt matters
Melanie Nicole Goulet
CIRP & Licensed Insolvency Trustee
The honest negotiator who helps you take your life back.
- Court Advocate: Experienced in presenting complex matters to a judge.
- Specializes in self-employed tax arrears, health-loss debt, & divorce files.
Heather Tilley
Senior Administrator, CIRP & Licensed Insolvency Trustee
The administrator making sure your file reaches the finish line.
- 28+ years of deep-dive insolvency administration
- Specializes in securing your legal discharge & post-filing credit rebuilding
WHY Choose BNA
Why licensing matters when you’re choosing debt help
When you work with BNA, you get more than someone making calls on your behalf. You get federally regulated legal authority, trustee oversight, and a team that helps you understand each step clearly.
| What You Need | The BNA Team (Licensed Insolvency Trustees) | Non-Licensed Debt Service Providers |
|---|---|---|
| Legal power | Yes. Federally regulated Licensed Insolvency Trustees | No formal insolvency authority. They cannot file proposals or bankruptcies |
| Stop lawsuits | Yes. A formal filing can start a Stay of Proceedings | No automatic stay. Creditor participation is voluntary |
| Handle tax debt | Yes. CRA debt can often be included in formal insolvency options | Limited. They cannot bind CRA through an insolvency filing |
| Court advocacy | Yes. We handle formal creditor and court steps when required | No. They cannot administer court-supervised insolvency proceedings |
| The approach | Trustee oversight + team support. Clear, honest, judgment-free guidance | Varies. Services depend on the provider’s authority and process |
BNA Debt support
You have carried this weight alone for far too long
Your current financial crisis is just a chapter in your book, not the ending. Let our team help you understand your options and what a practical next step could look like. Let’s look at the numbers, find your strategy, and put this chapter in the rearview mirror together.
Getting started
The hardest part is walking through the door. We help make the process clearer
We know that booking a meeting with an Insolvency Trustee can feel intimidating. Our team’s goal is to make that first conversation feel clear, private, and easier than you expected.
Step 1: You tell us about your situation.
There is no judgment here. We are not going to ask how things got to this point just to make you feel worse. We look at where you are now and only forward from there.
Step 2: We go through every single option.
Consumer Proposals, Bankruptcies, or even strategies that don’t involve us. We lay them out clearly, explain the numbers, and let you decide. This is your life. It is your choice.
Step 3: We take it from here.
If you decide to move forward with us, we get to work right away — preparing your filing so your protections kick in as soon as possible. Once filed, an automatic stay goes into effect, which stops most collection calls and wage garnishments. We handle creditor communication, and you get room to breathe.