Our knowledgeable team of Licensed Insolvency Trustees provide information and expert advice to help you on your way to becoming debt free. Our extensive debt help resource centre includes articles, videos, and podcasts on how to get out of debt including commonly asked questions about consumer proposals, bankruptcy, and debt consolidation options. Become informed about credit rebuilding and other money management tips as you search for a solution to your debt problems.
Is your next financial decision a bankruptcy or consumer proposal? In Canada, you are required to use a Licensed Insolvency Trustee to file insolvency. learn how to pick the right one using five questions.
Credit card use has increased across all demographics in Canada. In this blog find out how one of our clients fell into debt using credit and learn 7 signs that signal you're in credit card danger.
Consumers need credit for certain things, but can you get a credit card during a bankruptcy? Learn the pros and cons of obtaining new credit during, and after your bankruptcy.
What makes a debt a joint debt? What are the implications of cosigning a loan with your spouse. Doug Hoyes reviews when you are responsible for your spouse's debts and what happens if they file insolvency.
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.
Do you check your credit report on an annual basis? We believe it’s an important and healthy financial practise. Learn about why and how to check your report, as well as how to ensure there are no errors.
We look at two consolidation options: refinancing through a second mortgage or secured line of credit if you own a home and the pros and cons of consolidation loans if you have poor credit.
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.
If you're going to file for a consumer proposal, we make sure your proposal payments fit your budget. In this blog, find out how to determine if you can afford payments.
Loans are available for individuals completing a consumer proposal. In this blog, learn about the pros and cons of borrowing to pay off your proposal earlier and 3 alternative ways you can do this.
In Canada you cannot file for a bankruptcy on your own. Find out why a personal bankruptcy must be facilitated by a Licensed Insolvency Trustee and learn more about the role of a debt consultant.
One of the most common questions we get from our clients is “how long will the insolvency last on my credit report?” Learn how many years Canadian credit bureaus will report your bankruptcy or consumer proposal.
Have you recently been informed that your wages are going to be garnished due to unpaid debts? In this blog, we explain the wage garnishment process and steps that you can take to stop this legal proceeding.
Are you concerned about long-term implications of filing bankruptcy? There are misconceptions of how it affects your future. Explore our top 10 tips on how to get your life back following bankruptcy.
Several parties are involved when you file for insolvency in Canada. We explain the role of your Licensed Insolvency Trustee, the Office of the Superintendent of Bankruptcy, your creditors and your duties.
If you have overwhelming tax debts, it's important to know what options you have to create a fresh financial start. Find out what beneficial alternatives you have to settle these debts, instead of battling the CRA.
Are you trying to navigate overwhelming debt and considering filing for bankruptcy for a fresh financial start? Did you know there may be an optimal time for you to file? Doug Hoyes explains.
Bankruptcy tends to be a smooth process, however on rare occasions a creditor can challenge your bankruptcy discharge. Learn the basics of what a creditor opposition means for you.
If both you and your partner struggle with common debt you are both liable for, we explain when it's possible to file one consumer proposal jointly and how this can save you money.
Learning how to interview a debt advisor can be a useful skill if you are planning on filing for insolvency. Find out what a consumer proposal administer is, how they are licensed, associated fees and more.
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?