519-646-2222Blog Articles
Imagine No HST – just musing, don’t get excited
Canadians feel the weight of taxes every single day, the HST is a tax the Liberal goverment had at one time promised to eliminate
Read moreDo This Now
The time to deal with your debt is at hand, if you do not deal with your debt yourself, your debt may deal with you and it could be even worse.
Read moreTrustee Fees – in Bankruptcies and Proposals.
Trustee fees are a bit of an inigma for people filing a Bankruptcy or Proposal. In this article we break out how the fees are calculated.
Read moreThe Changing Face of Insolvency
From the Bankruptcy Act of 1919 to the Bankruptcy & Insolvency Act of 2022 insolvency has changed and so has our knowledge and understand of the laws that guide the process. We are up to date so you don’t need to be – call 519-626-2222
Read moreKick the debt habit
The best way to kick any habit is to develop a new habit to replace it. We can help you understand how and why you were vulnerable to getting into debt and we can help you get out of debt – call us 519-646-2222
Read moreGoing Up – interest rates that is
We have been talking a lot about debt, house prices and excessive mortgaging. It now looks as though interest rates, which have already risen, will increase to threaten consumer financial stability.
Read moreHow do I get my credit back?
We have posted a lot of articles on this topic – this one takes a slightly different view and asks you to think a little more about how you should use credit and why you need it in the first place.
Read moreProposals – what exactly are they?
Proposals can be confusing – our job is to worry about the technical aspect, ensuring you understand the fundamentals. We walk you through step by step, what you need to know from the time you decide that is how you want to solve your debt problems.
Read moreIt is Time to Slow Down
Canadians are carrying far more debt than many realize – it is time to slow down, stop wasteful spending and take the time it takes to move forward with life.
Read moreStudent Loans – what you need to know.
Student loans come with a variety of repayment, interest relief, deferment and other terms that can be challenging to negotiate.
For more information call the office at 519-646-2222
Christmas Bankruptcies
Christmas is a confusing for people having debt problems – trying to struggle through and get Christmas out of the way, making sure money is available for presents, etc. But putting of a bankruptcy filing can be costly.
Read moreWear it all goes – clothing costs
Budgeting can be a very useful tool – for some families budgeting is more challenging than for others. Wealthy families don’t really care about budgeting as long as the inflows are greater than the outflows. Poorer people need to pay more attention to their monthly spend.
Read moreCredit Card Use – in Canada
Credit card use has increased steadily in Canada and may have surged during the past two years, here we review historical data and update it based on measureable trends.
Read moreBuild Back Better – what do we mean?
Having too much debt can leave you financially devastated. We can help not only solve that problem, but set you back on the path to recover your credit rating and manage your finances better.
Read moreConsumer Proposal – an inside look
Consumer Proposals are not usually lengthy documents but accuracy is a very important aspect of constructing one.
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Use it to Build it!
To get your credit score up you must use credit, having credit and not using it does little to build a history.
Read moreCEBA Loans – Who is Responsible?
CEBA Loans have you confused? You are not alone, even the people administering them are not very clear about what they are doing with them
Read moreDebt Survivor or Debt Dependent
Surviving a debt storm is one thing but but how on earth did we get so debt dependent?
Read moreProposals – Division One & Division Two
There are two basic forms of proposal – Division One and Division Two – to learn more about how they work and how they could help you call us at 519-646-2222
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