Blog Articles

HOUSE PRICING:

becoming debt free is only the first step
February 9, 2024

There are many factors that drive house pricing, and a multitude of market conditions, some of which have been very unusual in recent years. Join the conversation, let us know what you think.

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DEATH AND TAXES:

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January 25, 2024

Death and taxes, so cliche, yet so appropriate when talking about Canada’s economy.

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THE PROBLEM WITH YOUR INCOME:

Lock Consulting.- Best Business of 2024
January 24, 2024

Income is an often overlooked econmic problem in Canada, people have become so accustomed to using credit to bridge the gap between inflation and their income that they simply accept the status quo.

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Housing Costs

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December 15, 2023

Housing costs have dropped slightly in the home sales sector but remain high in rental markets. Meanwhile incomes are continuing to trend downwards.

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Insolvency Rates Rebound

becoming debt free is only the first step
November 8, 2023

The economy is in a mess, insolvency rates rebound allowing people to find relief from overwhelming debt levels. Call us today at 519-646-2222 for your free consultation.

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Surplus, what Surplus?

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October 19, 2023

Surplus what surplus? If you are bankrupt and have been assessed for surplus income, and you can’t afford to pay it, do not dispair you have alternative possibilities.

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Everyday Financial Risks

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October 18, 2023

Prepare to face your everyday financial risks, whether they involve leverage or reach, discuss your options and explore alternative ideas.

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Consumer Proposals Help Ontario Homeowners

Consumer proposals
September 5, 2023

Consumer proposals help Ontario homeowners, perhaps far more than may be expected. Reduce your debts and stay in your home.

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Consumer (Proposal) Protections

Tom Locke - Insolvency Trustee in London, Ontario
July 26, 2023

The Bankruptcy & Insolvency Act does provide a number of consumer protections for people filing consumer proposals.

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Insolvencies are Increasing.

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July 24, 2023

After three years of highly impactful reckless lending, insolvency rates are starting to return to normal filing levels. We anticipate a slight uptick in the new year.

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Compare Debt Solutions

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July 6, 2023

Use this blog article as a guidline to compare debt solutions.

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Save your Home – what you need to know!

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July 4, 2023

Canada’s first choice for debt solutions, a proposal, can help you save your home while managing debt.

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Do the Maths

Tom Locke - Insolvency Trustee in London, Ontario
June 27, 2023

The data speaks volumes – just Do the Maths and draw your own conclusions.

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Surplus Income Part II – Application

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June 20, 2023

This is Part II of our |Surplus Income blog describing some of the practical components of calculating surplus as well as dealing with mediation or court adjustments.

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Surplus Income Part I – History

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June 20, 2023

Surplus income is something that all bankrupts, and their Trustees, must consider – in Part I we look at the history of surplus income in Part II we will take a more practical view.

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CEBA Update

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June 19, 2023

CEBA Update, time is running out for repayment and manys small businesses are likely to have serious financial problems – we can help!

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Wallowing in Debt

Tom Locke - Insolvency Trustee in London, Ontario
June 7, 2023

Liek it or not you are wallowing in debt, consumer debt and anational debt, it is getting to be extremely challenging to live without debt,.

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Three IMPORTANT Questions

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May 18, 2023

As you are preparing for your intial consultation with us, please keep in mind these three important questions, and bring along as much information as you can.

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Discharge from Bankruptcy – explained.

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May 16, 2023

Getting a discharge from bankruptcy is an essential part of the process. A discharge is usually an uatomated process, but in some cases requires a court intervention.

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CBDC – Central Bank Digital Currency

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April 23, 2023

Like it or not CBDC – Central Bank Digital Currency is taking over our traditional ideas of money and banking. In a sense “it must” – but will it fix the corruption in the global banking industry,that has led to cycles of economic woes, or will it just help to segregate people into even more divided fiscal classes.

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