Category: Consumer Proposals

Regulate the Banks – startling statistics

becoming debt free is only the first step
September 12, 2024

Quebec introduced legislation to regulate the banks and the impact on insolvency statistics was startling.

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Free Bankruptcies and Proposals

Man and woman sitting down to review finances
September 12, 2024

Free bankruptcies and proposals? Well not entirely, but in a sense insolvency proceedings are frequently paid for by deductions from money that would otherwise be available to them.

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Consumer Proposals Help Ontario Homeowners

Consumer proposals
September 5, 2023

Consumer proposals help Ontario homeowners, perhaps far more than may be expected. Reduce your debts and stay in your home.

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Consumer (Proposal) Protections

Tom Locke - Insolvency Trustee in London, Ontario
July 26, 2023

The Bankruptcy & Insolvency Act does provide a number of consumer protections for people filing consumer proposals.

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Insolvencies are Increasing.

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July 24, 2023

After three years of highly impactful reckless lending, insolvency rates are starting to return to normal filing levels. We anticipate a slight uptick in the new year.

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Compare Debt Solutions

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July 6, 2023

Use this blog article as a guidline to compare debt solutions.

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Save your Home – what you need to know!

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July 4, 2023

Canada’s first choice for debt solutions, a proposal, can help you save your home while managing debt.

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CEBA Update

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June 19, 2023

CEBA Update, time is running out for repayment and manys small businesses are likely to have serious financial problems – we can help!

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Three IMPORTANT Questions

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May 18, 2023

As you are preparing for your intial consultation with us, please keep in mind these three important questions, and bring along as much information as you can.

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Renegotiate your Proposal.

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March 27, 2023

Proposals can be renegotiated after they have been filed and approved by creditors. If your situation has deteriorated or you have a significant, financial, material change talk to your LIT about convening a meeting of creditors to review the possibility of amending your original proposal.

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The Debt Pool

Canada ranks high on debt level relative to income
February 15, 2023

Welcome to the Debt Pool – welcome to Canada. Canadian banks have their “newcomer programmes” where they provide free banking and $5,000 credit cards, without credit checks or income verification to new imigrants. Once they have you trapped in the debt pool they expect you to tread water for ever.

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Debt Management Programme or Consumer Proposal

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February 10, 2023

Get to know the differences between a Debt Management Programme and Consumer Proposal and which is best for you and your family.

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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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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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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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Call us – we can help!

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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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REDUCE YOUR DEBT TO PENNIES ON THE DOLLAR

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September 5, 2017

Reduce your debt to pennies on the dollar of the amount(s) you owe with a consumer proposal.

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BANKRUPTCY OR PROPOSAL

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September 5, 2017

Bankruptcy or proposal, we have the right solution for you and your family – get good information.

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