Leamington
Gordon Sands What Alternatives to Bankruptcy are Available if I Can’t Afford to Pay My Bills? One of the most common questions that we get asked is, what are the alternatives to bankruptcy if I can’t pay my bills? Many people find themselves in a position where their debt is building up and they can no longer … Read more
Debt Consolidation Dangers Consolidation loans are a common debt relief option for those that are struggling with multiple debts and high interest rates. By consolidating all of your debts, you can reduce the interest that you pay, but there are a lot of potential dangers involved with consolidating your debts. It is important that you … Read more
How to Make Informed Financial Decisions It’s easier than ever to get credit on everything from cars to furniture, and even if you have a poor credit score, it’s not that difficult to get a credit card. But this can be a big problem because, when something seems too good to be true, it usually … Read more
Costs of Debt Settlement If you are struggling with debts that you cannot afford to pay, you need to start looking into debt relief options, like debt settlement. However, many people worry about the cost of debt settlement and when you are already in a difficult financial position, adding more costs for debt relief is … Read more
Why The Timing of Your Bankruptcy Matters People in debt can face some tough choices to get out of it. One of these is bankruptcy. Bankruptcy can be a suitable solution for dealing with serious debt, but the time you file is important in Canada. Understanding the finer details can help you understand the bankruptcy … Read more
Your Banking Rights If you’re anything like most people, you probably haven’t given your bank much thought at all over the last week. However, when opening an account with any bank, it’s important to know your rights. Knowing your rights means that if your bank violates them, you can contact The Financial Consumer Agency of … Read more
Do I Have to List All of My Creditors in My Proposal? Debt can feel like a debilitating problem that is always on your mind, but there are solutions to help you get out of debt and have a fresh financial start. If you’re in debt, making a consumer proposal to creditors can give you … Read more
What Can I Do If I Was Hit With An Unexpected Debt? For just about anybody, debts can easily creep up over time. We all have to deal with things like car repairs, home maintenance, broken appliances, and illnesses, but it’s rare we plan for them in advance. Paying for these things using credit can … Read more
When you are considering debt settlement for your situation, time is often a priority. Consequently, for debtors, one of the most important questions to figure out is: How long does debt settlement take? A debt-relief solution that gets you debt-free as quickly as possible might seem, at first, like the best option. However, time is … Read more
Repaying Ontario Student Assistance Program Debt After graduating from college, you’re probably riding high. And deservedly so! You’ve paid for that degree in sleepless nights, nerve-wracking exams and latte-fuelled all-nighters. But now that it’s all over, your thoughts are likely firmly set on the future. Where will you choose to put the knowledge and skills … Read more
Do I Need a Licensed Insolvency Trustee or Bankruptcy Trustee? Personal debt can become a trap for many Canadians. In order to keep up with the cost of living, households can accumulate more and more loans and credit cards until their debts reach a point at which they’re extremely difficult to control. In some circumstances, … Read more
How to Live on an All Cash Diet to Take Control of Your Finances We all do our best to budget responsibly and live within our means. Yet all too often we overspend. Why? Because it has become so easy to part ourselves from our hard-earned money. We can make debit card payments with just … Read more
Avoid Making Only The Minimum Payment For many households, personal loans and credit cards are a simple reality of modern living. The ever-escalating cost of living combined with stagnating wages mean that many families need to rely on credit to make ends meet. However, when it comes to credit cards, householders can make a cardinal … Read more
Licensed Experts Providing Debt & Credit Counselling Help In a perfect world, there would be no debt. But we can all agree that this world is far from perfect. Many Canadians have racked up significant personal debts, not because they lead a particularly extravagant lifestyle- but simply to keep themselves and their families afloat. The … Read more
Owing Money to the CRA – Tax Debt Help Lots of Canadians are worried about owing money to the CRA. It’s not very hard to see why. The Canada Revenue Agency have great collection power at their disposal. If you owe them a lot of money, they have the potential to make life very challenging … Read more
Do I Have To Go To Bankruptcy Court? Debt is a reality of life for many. And when our debts start to pile up over time, they can quickly spiral out of control. When we become unable to repay our debts, people in Canada may perceive bankruptcy as the only way out. However, what you … Read more
Getting Credit Back After Bankruptcy Although bankruptcy can be an effective way of overhauling your finances and eliminating unmanageable debt, many people are hesitant about using this option. Often, people assume that bankruptcy has a permanent impact on their financial standing. In fact, ‘how long does it take to get my credit back after bankruptcy?’, … Read more
Debt Settlement: Can It Be Done On My Own? When you begin to tackle your debts, there’s no single, perfect way to go about it. However, there are certain traps that you should try to avoid. If you plan on arranging a debt settlement yourself, there are plenty of factors to consider. Although it is … Read more
Debt Reduction in Canada: What Should I Know? Most people in Canada have some form of debt but bad debt can have devastating consequences. If you have bad debt, you should learn our secrets of debt reduction in Canada. Fortunately, there are simple and straightforward ways to manage your finances and facilitate debt reduction in … Read more
Help, I Can’t Pay My Bills If you’re struggling to pay your bills, you’re not alone. More than a third of Canadians have difficulties managing their day-to-day finances and keeping up to date with their bills. Whether you’re experiencing problems because of rising interest rates, a loss of income or spiralling debt, you can take … Read more
