Blog Articles

• Bankruptcies
• Something to Think About

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.

• Something to Think About

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

• Consumer Proposals

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

• Consumer Proposals

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

• Bankruptcies
• Consumer Proposals
• Something to Think About

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.

• Bankruptcies
• Consumer Proposals
• Counselling
• Something to Think About

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

• Bankruptcies
• Consumer Proposals
• Something to Think About

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

• Counselling
• Current Events
• Insolvency News
• Something to Think About

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

• Bankruptcies

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.

• Bankruptcies

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.

• Consumer Proposals
• Division One Proposals

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

• Counselling
• Current Events
• Something to Think About

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,.

• Consumer Proposals

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.

• Bankruptcies

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.

• Current Events

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.

• Something to Think About

Credit cards are the meat and potatoes of the insolvency industry, if they did not proliferate our economy LITs would have far less work. Read on for a discussion of the pros and cons of credit cards.

• Consumer Proposals

Proposals can be renegotiated after they have been filed and approved by creditors. If your situation has deteriorated or you have a significant, financial, material change talk to your LIT about convening a meeting of creditors to review the possibility of amending your original proposal.

• Current Events

CERB and CEBA collections are underway, still, if you are getting collection letters we can help.

• Consumer Proposals

Welcome to the Debt Pool – welcome to Canada. Canadian banks have their “newcomer programmes” where they provide free banking and $5,000 credit cards, without credit checks or income verification to new imigrants. Once they have you trapped in the debt pool they expect you to tread water for ever.

• Consumer Proposals

Get to know the differences between a Debt Management Programme and Consumer Proposal and which is best for you and your family.