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September 5, 2017

How do you know when you have too much debt, and what are you going to do about it? There are many clues to having too much debt (credit) some of which seem obvious but others are not so clear. According to recent statistical reports the average Canadian owes about 1.7 times annual income in […]


September 5, 2017

This blog provides you with a quick overview of the process of bankruptcy – what to expect. SEEKING HELP Only a Licensed Insolvency Trustee can file a bankruptcy – credit counsellors or debt consultants can only help you to find a trustee.  Sometimes they will charge you a fee for the referral.  You can find […]


September 5, 2017

And why should I pay anyway? One of the primary considerations for people contemplating bankruptcy is cost.  If you call around it seems that trustee fees are all very similar but are they? The average cost for a (no-asset and no-surplus income) bankruptcy seems to range between $1,800 -$2,400 but that is not always the […]

Canadians struggle to live without debt

September 5, 2017

Job stability and income are both in decline but the use of debt continues to increase. A saving grace for some Canadians has been the recent surge in real estate values, but that value increase can create a deeper debt problem for many others. Moving unsecured debt from credit cards and lines of credit to […]

RSPs, Investments and Debts

September 5, 2017

Strange bedfellows on the face of it but there is a strong adverse relationship between savings and debt. For several decades Canadians had great retirement opportunities through many larger employers, mostly manufacturing and other industrial companies with union negotiated pensions. Unfortunately, during the past 2-3 decades those opportunities have been eroded at an alarming rate. […]

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