Debt Relief Experts
What Does It Mean To Be Creditor Proof
If your creditors don't have options to collect you are considered creditor proof. When does this happen and what does that mean in terms of whether you should file bankruptcy or not?
Facing Creditor Actions? Know Your Rights and Protections
Why Do I Need To Switch Banks? I Love My Bank.
We highly recommend opening an account at a different bank during insolvency. Our experts divulge reasons why you should switch banks, common concerns when it comes to this and what happens if you don’t.
What to Do When Creditors Threaten Legal Action
It can be stressful having collections agents threatening you for unpaid debts. Learn what your rights are as a debtor, how to protect yourself from creditors and what to do if actions have been taken.
Wage Garnishing: Know Your Rights
Wage garnishment is one of the legal actions your creditors can take when you have unpaid debts. Find out everything you need to know about this legal proceeding and how bankruptcy can stop this.
How do I Stop a Wage Garnishment by Making a Deal with My Creditor?
If your creditors have already obtained a garnishee in court, there are two alternative options you have instead of paying it. We’ll explain ways you can make a deal with your creditors in this blog.
Canada Mortgage and Housing Corporation (CMHC) and Tax Refunds
As a government agency, CMHC can keep your tax refund if you them money. Find out how this debt, like any government debt, can be eliminated through a bankruptcy or proposal.
How Can I Stop a “Voluntary Wage Assignment”?
Have you signed a voluntary wage assignment with a payday loan company or other creditor? Find out how you can revoke this assignment or stop a garnishment by filing bankruptcy if you can't repay.
CRA Liens on Property – What Are Your Options?
If you have unpaid tax obligations, CRA can place a lien on your home or other property to collect that money. Learn how a consumer proposal or bankruptcy can prevent a lien and erase your tax debt.