Debt Relief Experts
Guide to Ontario Debt Collection Laws
Has a debt collection agent called, and left you confused about what your rights were in the situation? This guide explains Ontario’s debt collection laws and how to deal with these agencies.
Facing Creditor Actions? Know Your Rights and Protections
Can Bankruptcy Stop The CRA Collection Process?
Are you feeling pressure because you have unpaid debts to the CRA? In this guide we’ll explain various CRA collection methods and how insolvency works to stop the CRA and clear your tax debts.
How to Remove a Real Estate Writ after a Bankruptcy or Consumer Proposal
Has there been a real estate writ issued against you? Find out what you need to know about writs, from how it affects your bankruptcy or consumer proposal and how to remove a writ after discharge.
Voluntary Surrender. Should I Hand My Vehicle Back?
If you are filing for a consumer proposal or bankruptcy, should you keep your expensive vehicle loan? Find out if it’s in your best interest to voluntarily surrender your vehicle as part of your insolvency.
Dealing with Car Loan Debt and Vehicle Repossession
Your lender can repossess your car if you are not making your payments on time. Learn about what a vehicle repossession means for you and your debts, and how you can avoid this proceeding.
Can Canada Response Benefits (CRB) Be Garnished?
Blog Post Updated October 2020: Find out more about Canada’s Response Benefits, and if these payments can be garnished.
Can Bankruptcy Stop a Tenant Eviction for Rent Arrears?
Will bankruptcy deal with past due rent? Ted Michalos explains more about rent arrears in an insolvency and whether you can effectively stop an eviction by filing a bankruptcy or proposal in Canada.
What is a CRA Requirement to Pay and How Can You Stop It?
Has the Canada Revenue Agency issued a legal notice to you called a Requirement to Pay? Find out what to do if this happens to you and what you need to know as the taxpayer.
Can a Collection Agency Sue You in Canada?
Are you worried a collection agency will act on their threat and sue you? Doug Hoyes explores how debt collectors obtain files, when they can take you to court and what to do if you have a judgement against you.
How to Stop a CRA Wage Garnishment
The CRA has strong collection powers, one of which is the ability to garnish your wages. Learn everything you need to know about a CRA wage garnishment and what you can do to avoid this proceeding.
Frozen Bank Account. Your Rights and What To Do Next
Has one of your creditors frozen your bank account? Find out who can use this form of collection, how to clear your frozen account and answers to other common questions you may have about this legal action.
Wage Garnishments: What Income Can be Garnisheed?
Has a collector threatened you with wage garnishment, and you’re unsure of what it means? We’ll explain what kind of income and how much can be garnished, as well as what you can do to stop this action.
Can Unsecured Creditors Take My Car For An Unpaid Debt?
You may know your car lender has a right to repossess your vehicle if you don't make payments, but can other lenders (like a payday lender) make a claim on your car? We explain when this can happen & what to do.
Power of Attorney: Can I Deal With My Parents’ Debts?
Are you wondering how to go about helping your parents deal with their debts? In this blog, we explain what a power of attorney is, how they can help manage other’s finances, and explore two client stories.
Filing Bankruptcy to Avoid a Judgment or Lawsuit
Has a debt collector threatened you with a judgement or a lawsuit for your unpaid debts? Find out how these legal proceedings work, how insolvency can stop a judgment, and when is the right time to act.
Canadian Privacy Laws and Debt Collection
We explain privacy laws and your rights when it comes to collection agents, how you can protect your personal information and what to do if it’s disclosed wrongly.
Will Rogers Cancel My Cellphone, Cable & Internet Service If I Go Bankrupt?
Internet and cellphone services are essential in today’s day and age, but what happens to these services in a bankruptcy? Doug Hoyes offers his expert insights based on our experience with service providers.
407 ETR Debt Collection and the Limitation Period
What are the consequences of having unpaid 407 ETR debts when you aren’t planning on filing for insolvency? Find out the collection methods the 407 can use under the Limitations Act.
Collection Agents: How Did They Find Me?
Have you received a call from a collection agent, and you’re stumped on how they were able to find you? Learn about various ways collections companies acquire your data and what you can do about it.
I’ve Filed Bankruptcy & Collection Agents Are Still Calling
Bankruptcy provides protection from collection calls, however not all creditors get the message. Find out the three things to say if a collection agent calls you and when to turn to your trustee for help.
Exposing Collection Agencies’ Dirty Tricks
Are you receiving intimidating calls from collection agents? How do you respond to them? Find out 8 dirty tricks collections agents use in conversation, and how you can handle and stop these calls.