Blog Articles

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.

Read more

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.

Read more

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.

Read more

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?

Read more

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.

Read more

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

Read more

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.

Read more

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 […]

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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

Read more

Tipping – how do you feel about it?

Jars filled with cut up credit cards
September 21, 2022

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 more

Living on Debt

Tom Locke - Insolvency Trustee in London, Ontario
September 20, 2022

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 more

Renegotiate, Reduce, and Renew your Debt

people jumping at sunrise
September 12, 2022

Renegotiate, Reduce and Renew your Debt – stay in control of your paycheque before things get out of hand.

Read more