A right of offset is when you have unpaid debt, and your lender seizes money directly from your bank account. Learn about who can exercise this legal proceeding, when it can occur, and what you can do about it.
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.
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.
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.
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.
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, options to keep your car or handle the remaining debt.
Blog Post Updated October 2020: Find out more about Canada’s Response Benefits, and if these payments can be garnished.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Debt Relief Experts
