Address
111 Waterloo Street, Suite 310
London, ON N6B 2M4

ZERO PERCENT (0%) INTEREST FOR YOUR BANKRUPTCY

September 5, 2017

That’s right, we will not charge you any interest on trustee fees and we will work out reasonable monthly payment terms. Because filing for bankruptcy is not free, some people worry about how they will make payments to the trustee for the service.  Our office will do the best we can to work with you […]

CREDIT CARDS SHOULD NOT REPLACE INCOMES

September 5, 2017

Here’s the test. Can you pay off – not just down but completely OFF – all of your credit cards and lines of credit over the next twelve months? If you answered “NO” then you have already started to replace your income with credit cards or “DEBT” – you are in debt so far that […]

SURPLUS INCOME – A SOCIAL DILEMMA

September 5, 2017

The calculation of surplus income is often misunderstood even by insolvency professionals, the concept behind is even more mysterious. The notion that people these days have surplus income suggests that they are living very simple lives or making lots of money, neither of which are the case for most Canadians. Average family incomes, adjusted for […]

CAN YOU LIVE WITHOUT USING SOME FORM OF CREDIT?

September 5, 2017

Most people cringe and get very uncomfortable about acknowledging they can’t handle money and debt! Chances are, if you’re an average Canadian, you will find it impossible to get through even one month without using a credit card, overdraft protection or a line of credit.  Try it! Credit has become an insidious economic reality for […]

SHHH! DON’T TELL THE KIDS WE WENT BANKRUPT!

September 5, 2017

NO! Don’t tell them that life is anything but a reflection of Hollywood! What a way to set your children up for future problems.  Believe it or not it is very healthy for children to be educated in all sorts of real life skills and that includes knowing how to manage financial challenges. Unfortunately, our […]

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