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.
Student loans have special treatment in a bankruptcy or consumer proposal. We explain the 7-year rule, what it means for your student loan to be discharged and how to find your end of study date.
Are you being bombarded with calls from collection agents and are eager for advice on how to navigate these conversations? Here are our top 10 tips for you when dealing with collection calls.
Discover how long a consumer proposal in Canada typically lasts, from filing to completion. Learn about key milestones and factors affecting the timeline of your debt relief journey.
Learn how to structure your consumer proposal with flexible payment options. Understand key factors affecting terms and how a Licensed Insolvency Trustee can help.
A consumer proposal is a great way to eliminate problem debt. But, it does come with some disadvantages. The good news is, the benefits often outweigh the downsides. We explain more in this post.
Are you struggling with payments on your student debt? Here is our comprehensive guide on government relief programs for student loans. Learn when student loans can be discharged in a bankruptcy.
Finding credible information and resources about bankruptcy and personal insolvency can be difficult. In this blog and podcast, Doug Hoyes, Licensed Insolvency Trustee discusses 15 common bankruptcy myths.
An increasing number of seniors in Canada are carrying large amounts of debts into their retirement. We explore debt forgiveness & relief options including government programs for seniors struggling to pay down your debts.
Learn the risks of ignoring debt collectors, your rights, and effective ways to handle collection calls in Canada. Explore debt relief options to stop collections and regain financial stability.
In the event that someone dies, who is responsible for the debt the individual had? In this blog we answer common questions as they relate to debts after death and who may be responsible for them.
If you’re struggling with debt, finding the right help can be crucial to getting your finances back on track. However, not all debt consultants in Canada are created equal. This guide will help you navigate... Read more »
Learn the key differences, benefits and risks associated with secured and unsecured debt and how each are treated in a bankruptcy or consumer proposal.
If you have unpaid taxes to the CRA, they can exercise their collection right to freeze your bank accounts. Learn about what you can do if your accounts get frozen and what your next steps are.
The credit impact of a bankruptcy or consumer proposal does not have to prevent you from getting a mortgage. Discover steps that can help you get a mortgage even if you have bad credit.
If your unpaid debts have been turned over to a collection agency we explain what you need to know about how long collection agencies can pursue debt in Canada, both legally and with those annoying phone calls.
Wondering when to declare bankruptcy in Canada? Learn the signs, explore alternatives, and understand the process. Get expert guidance on making this crucial financial decision.
The payday loan industry is thriving in Canada; it keeps consumers coming back and causes them to fall into more debt. We explore ways to solve this problem, the role of government regulations and more.
Have you been in a situation where you resort to payday loans for quick cash? We provide everything you need to know about payday loans in a slideshow and steps you can take to eliminate these debts.
Are you wondering if you should use credit counselling or a consumer proposal to get out of debt? We explain both solutions, provide a pros and cons list and fully compare both strategies.
Explore the process, consequences, and alternatives to declaring bankruptcy in Canada. Learn about debt elimination, credit impact, and how to rebuild your financial future.
A consumer proposal is an alternative to bankruptcy and there are huge differences in how both insolvencies options work. Doug Hoyes explains why a consumer proposal is not bankruptcy.
Debt Relief Experts
