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.
If you're planning on borrowing money, its’s important to consider how much debt you can take on. Find out more about debt-to-income ratios, warning signs of too much debt and available debt relief options.
We explain the three factors that affect how much you may have to pay to file bankruptcy in Ontario: income, assets and if you have filed before.
If you are considering a consumer proposal to help eliminate your debts, you want your creditors to accept the terms of the proposal. In general, consumer proposals have a 99% acceptance rate.
When you file for bankruptcy, you make monthly payments and surrender certain assets. Find out how these proceeds are distributed to your creditors to release your debts.
Bankruptcy eliminates most unsecured debts. But what about secured debts and what debts are specifically excluded from your bankruptcy discharge?
If you are considering filing for bankruptcy, you should be knowledgeable on the entire process. Here is our comprehensive guide on the steps to file bankruptcy in Canada.
If you are considering filing for a bankruptcy, it is important to be knowledgeable about the process and have answers to any of your questions. Here are the top 10 facts you should definitely know.
To be discharged from a bankruptcy there are certain duties that need to be completed first, one of which may include surplus income payments. Find out what surplus income is and 5 reasons it’s important.
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 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.
Is your small business facing financial hardship? Are the unpaid debts piling up? In this blog, we offer 5 possible solutions you can use to help keep your business afloat during tough times.
What happens when bills start piling up and you can't meet your monthly debt payments? What actions can lenders take? Discover what options you have to recover your finances.
Are you in a financial situation where you have no additional income to make your debt payments? Do you need to go bankrupt and can you afford the cost? What can you do to protect what money you do have coming in.
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.
It seems like a simple concept, but some people do find themselves in a vicious cycle of only paying the minimum amount. Ted Michalos explains why paying more than the minimum benefits the consumer.
Did you know that we advise 90% of clients that call our debt help line to not file bankruptcy? We explore step-by-step how our process works using a client story, to give you an idea of how we treat all our clients.
Did you know that 99% of our consumer proposals are accepted by creditors? And that the Royal Bank makes up majority of creditors that vote against them? Doug Hoyes explains why here.
Do you find it difficult to stick with budgets you create? Well, most people do, so what are your options? Find out what our secret to budgeting is and our top tips on how to stay on top of bills.
Budgeting can be stressful, and few individuals have the discipline to stick to one. In this blog, find out why our approach to budgeting is simply to pay bills as often as you get paid.
Did you know that bankruptcy law does eliminate most tax debt? Learn about when your tax debts can be discharged through insolvency and the implications of a CRA bankruptcy.
What do you need to consider before choosing between debt consolidation or bankruptcy? We’ll explain both debt relief options, so you can make an informed decision on which one will work best for you.
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