519-646-2222Blog Articles
Proposals are flexible
Let us help you formulate a Proposal offering to your creditor – to reduce your payments to one affordable amount. 519-646-2222
Read moreInterest Rates – again
Interest rates, depending who you listen to, are likely to continue to rise before settling back to historical averages.
Read moreCall us – we can help!
Call us, we can help you to budget better, we can help you to find a solution to problem debts, we can get onto an affordable monthly payment plan that will help you get out of debt. Bankruptcy is not your only option, a Proposal to creditors is Canada’s #1 debt solution. You can call […]
Read moreLess Bankruptcies
A recent, 2016, Court case is one of the main driving forces behind the decision to file Proposals rather than Bankruptcies.
Read moreBudgeting Perspectives
Budgeting can be used to help you plan a strategy to deal with problem debts. It is important that your budget is a fluid, fluxuating tool that helps predict future spending events.
Read moreThe Economy – a few thoughts
No one doubts the economy is in trouble, prices are go up, debt is at an all time, wages have hardly moved in years, savings are being liquidated, house prices are correcting, and everyone is desperately trying to hang onto what they have.
Read moreTransferring Property – on the eve of insolvency
Transferring property on the even of filing an insolvency is something that should be done, if at all, following a consultation with your LIT. Transfers can be overturned or there can be other consequences.
Read moreCommunity Resources
There comes a time for all of us when we need some help, but which way to turn – we hope this short guide provides useful contact information.
Read moreFollow the Money – why debt is a way of life.
Follow the moeny they said, but what money? There really isn’t much money in circulation, which is why Canadians are so dependent on credit.
Read moreChanges – for Credit Card Users
Changes to credit cards are in the wind, some of the changes are good for consumers some are inhibitive, pick your poison. Overall, the changes seem to favour bank lending over alternative lenders.
Read moreThe Bankruptcy & Insolvency Act
The Bankruptcy & Insolvency Act was written to help Debtors resolve problem debts and get on with living. It was never intended to be punitive or burdensome, in spite of having strict rules and regulations.
Read moreDon’t sweat the debt
Don’t sweat the debt, you do have options, the longer you wait to address debt problems the less options there may be – call today for your free consultation 519-646-2222
Read moreTipping – how do you feel about it?
Tipping is a controversial topic for many folks. One might wonder “did I tip enough?” – if that is you, perhaps it’s time to think about tipping more thoroughly, after all it’s your money.
Read moreLiving on Debt
Living on debt has become a reality as a result of economic blunders by banks and government. With over 80,000,000 bank issued credit cards in circulation someting is clearly wrong.
Read moreRenegotiate, Reduce, and Renew your Debt
Renegotiate, Reduce and Renew your Debt – stay in control of your paycheque before things get out of hand.
Read moreGoing Up Again – interest rates that is
With rate increases going up again housing affordability start to creep upwards. House prices will undoubtedly decrease leaving zombie mortgages floating around.
Read moreHow are you doing?
How are you doing? Are you stressed? Worried about the eocnomy? Are you and your spouse arguing about money? We can help – 519-646-2222
Read moreScams – that can cost you money
Scams can be very clever and convincing, most have some tell tale signs they may not be all they are cracked up to be. Scams can cost victims a lot of money and embarrassment.
Read moreMortgages
Mortgages are investments for mortgagees (lenders) they can be a curse for mortgagors (borrowers). Some mortgages are simply highly charged emotional debt traps for consumers. After all, if your car were heavily leveraged you might sell it and walk for a while, but selling your house means you have nowhere to live.
Read moreSmall Business Solutions
Many small businesses suffered greatly during the last three years – now it’s time to dig out of the debt and improve cash flow.
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