Blog Articles

Improve Your Credit Rating.

Billie-Jo, Estate Manager at Locke Consulting, London, Ontario
February 1, 2023

Whether or not you have filed an insolvency proceeding you may find some useful tips, in this blog, to help you manage your credit ratting.

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Bankruptcy is Great!

Locke Consulting sign
January 17, 2023

Bankruptcy is great for providing protection from actions by creditors, eliminating debt and creating a fresh start.

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How To File a Proposal – step by step

Approved
January 4, 2023

How to file a proposal – it’s probably much easier than you might expect. The process always starts with a free initial consultation.

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Amazon – Caveat Emptor (Buyer Beware)

Jars with credit cards
December 30, 2022

Amazon is a very easy place to spend money, it contributes some jobs to the local economy, but little else, it also dehumanizes and commoditizes us all, taking away the pleasure of human contact when searching for the perfect gift, etc.

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The Power of a Proposal

Tom Locke - Insolvency Trustee in London, Ontario
December 16, 2022

We can help you experience the power of a proposal to your creditors we help you every step of the way from the initial negotiations through to the final payment.

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El poder de una propuesta

Tom Locke, Licensed Insolvency Trustee
December 16, 2022

Podemos ayudarlo a experimentar el poder de una propuesta a sus acreedores, lo ayudamos en cada paso del camino desde las negociaciones iniciales hasta el pago final.

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Re-regulate Banks.

December 11, 2022

Our current mortgage crisis presents viable options for the Government to reregulate banks in a way that will benefit consumers – but will they do the right thing or return to business as usual?

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How to Keep your House

Drawing of house
December 8, 2022

Rates are still increasing and so are prices, and taxes. Many folks are in a financial survival mode right now. We have a few strategies to help you keep your house.

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Proposals are flexible

Why file a proposal or bankruptcy
December 7, 2022

Let us help you formulate a Proposal offering to your creditor – to reduce your payments to one affordable amount. 519-646-2222

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Interest Rates – again

we like helping people
December 5, 2022

Interest rates, depending who you listen to, are likely to continue to rise before settling back to historical averages.

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Call us – we can help!

Locke Consulting Logo
November 28, 2022

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 […]

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Less Bankruptcies

Jars with credit cards
November 16, 2022

A recent, 2016, Court case is one of the main driving forces behind the decision to file Proposals rather than Bankruptcies.

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Budgeting Perspectives

we like helping people
November 15, 2022

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.

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The Economy – a few thoughts

Why file a proposal or bankruptcy
October 28, 2022

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.

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Transferring Property – on the eve of insolvency

Transfering property
October 24, 2022

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.

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Community Resources

people jumping at sunrise
October 20, 2022

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.

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Follow the Money – why debt is a way of life.

Jars filled with cut up credit cards
October 20, 2022

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.

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Changes – for Credit Card Users

Jars with credit cards
October 18, 2022

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.

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The Bankruptcy & Insolvency Act

open reference book
October 4, 2022

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.

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Don’t sweat the debt

ThreeBest trophy
September 27, 2022

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

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