Category: Something to Think About

Great Reset and Credit Kiting

July 15, 2021

Consumer proposals allow you to get a great reset of your debt. Stop kiting your debt from one credit card to another and get a real solution.

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Inflation is Real

Jars with credit cards
June 17, 2021

Canadians could soon be facing really serious economic challenges – living costs and incomes are becoming more and more disparate.

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Hyperinflation

June 2, 2021

With rising costs, ever increasing debt loads, massive unemployment and decreasing wages, hyperinflation is among us.

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FREE Mug with Every Bankruptcy?

coffee mug
May 27, 2021

To claim your free coffee mug simply read and respond to this blog.

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Canadian Debt Growing

Locke Consulting sign
May 26, 2021

Canadians are in a pickle with exponential debt growth, both national debt and consumer debt. The government is driving debt up either by action or inaction.

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Your Debts

Locke Consulting sign
May 19, 2021

People’s debt comes in all shapes and sizes – when it becomes a problem – we can help.

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Trump was never bankrupt

close up of book
May 6, 2021

Donald Trump remains a lightning rod for negattive media attention. While he is not really the topic of this blog hopefully invoking his name will attract readers.

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What happens when it’s over?

April 22, 2021

That is an intriguing question, what will happen when it’s over?  The CERB has been running for a year and a half – projected to end in September 2021, but what will happen then?  Will the $2,000 per month benefit be replaced with UBI (Universal Basic Income)?  Really that is just shifting the name of […]

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Mortgage Penalties

February 12, 2021

There are all sorts of penalties associated with mortgage defaults, most are legal, some are not.

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Buying a Home

February 1, 2021

Bad credit, no credit roll up, roll up, get your house today… Seems that way until you start getting into the details – and you find that your credit report is holding you back – we can help.

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I owe CERB – what can I do?

January 8, 2021

Admidst rife speculation is emerging a new reality about the re-shaping of our economy. Like it or not, things are changing globably and it will not be good for the majority of people.

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Canadian Wealth – Imaginary Assets

December 23, 2020

What is your net worth? Add up the value of everything you own and deduct the cost of selling it and repaying all of your debts – what’s left, that is your net worth.

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The Great Reset – what does it mean for you?

November 20, 2020

The Great Reset has been getting a lot of media attention lately – formerly the thing of conspiracy theorists the idea of a globalist revision is now in the mainstream. Here are some thoughts and links to discussion points.

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Local, Trusted and Fully Licensed

November 2, 2020

Southwestern Ontario’s local, trusted and fully licensed insolvency trustee.

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Bankruptcy = Opportunity

October 1, 2020

It’s hard for many people to think in such terms but in fact filing a bankruptcy provides a great new opportunity.  Long before we had a bankruptcy regime few people had access to debt (credit) mostly the wealthy loaned money to other wealthy people.  There were few written contracts, most people couldn’t read and write […]

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Understand the basics

September 30, 2020

We feel that it is important that you should understand the basics when you are thinking about filing a bankruptcy or a proposal.  Here are some basic terms to help you along.  People who owe money are called “debtors”, people who cannot pay their bills as the become due or who could not pay their […]

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I don’t want to go bankrupt

August 7, 2020

We hear that from almost every person we meet – “I don’t want to go bankrupt”.  Let’s face it no one wants to go bankrupt it is not a part of anyone’s life plan: “I’ll get an education, get married, have kids, become involved in my community, buy a house, invest for retirement, go bankrupt” […]

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Debt Check Up

August 4, 2020

Feeling overwhelmed yet? Debt problems can be a source of frustration and family feuds. Get your free debt check up today. call 519-646-2222

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CERB Overpayments – Insolvency

June 22, 2020

CERB overpayments are going to be an important topic in the next year for millions of Canadians.  The Federal Government’s handling of the CERB benefit has resulted in many people receiving benefits they should not, or ought not, to have had.  Our office has heard of several cases of long term ODSP recipients who have […]

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Getting through COVID

April 1, 2020

The COVID virus is impacting everyone’s life. From the way we work through to every social interaction we have. There are essentially two facets, health and economy that are being his the hardest. In this two part blog we try to speak to each offering some insights and considerations.

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