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Category: Something to Think About

Bankruptcy is bad

June 28, 2018

As a professional with over 23 years of experience in the insolvency industry and more than ten as a Licensed Insolvency Trustee why so many people think bankruptcy is bad. Just that “bankruptcy is bad”. I suppose that no wants to be insolvent, not having enough money to be able to pay their bills, which […]

Changing Times

June 25, 2018

How does that old Bob Dylan song go: “the times they are a changing”. When we think about changing times, economically speaking, the best time to be alive was probably in the 1950’s to 1970’s, those were the glory days for the Canadian economy. It was the first time in history that one income could […]

Insolvency and pensions

June 22, 2018

Insolvency and pensions are at an interesting intersection and under current Canadian insolvency laws are not good bedfellows.  Although when filing a bankruptcy, the laws do protect the bankrupt’s interest in the pension funds by not requiring that they be distributed among the creditors the same protection is not afforded to the fund itself. We […]

Lenders want to lend

June 11, 2018

Lenders want to lend you money, in fact they are looking for ways to be able to lend you money. To lenders lending is a product just like any other. Lending money is a sure way to make money if you can mitigate the risk of borrowers not repaying debts. The good news is that […]

Mortgage funds are available

June 7, 2018

Yes, mortgage funds are available for people of most income levels. The interest rates and terms may be different for people with lower or less stable incomes, such as self-employed people, but mortgage funds are available from different lenders. We have been advised by lending industry representatives that there are new challenges facing people who […]