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Consumer Proposal, Bankruptcy, & Personal Finance Blog

A person in a knitted sweater hold a Christmas present in front of their Christmas tree.
December 4, 2018

A Debt-Free Christmas

The Best Gift Under Your Tree When the only thing you can think about as the holidays approach is, “How am I going to pay for it all?” it might be time to start thinking about lowering your personal debt. Debt is one of the major contributors to stress and anxiety. You might even be […]Read More

A set of paper forms used for declaring bankruptcy.
November 4, 2018

Exploring Options Beyond Bankruptcy

Understanding the Debt Relief Alternatives to Declaring Personal Bankruptcy Declaring bankruptcy is a potential solution to your debt woes, but it does carry its own responsibilities and downsides. Many people prefer to explore alternatives first, looking to avoid bankruptcy, either due to the stigma around the process, or because they want to find another option. […]Read More

Two men shake hands following an agreement.
September 4, 2018

Choosing the Right Bankruptcy Trustee

Questions to Ask Your Bankruptcy Trustee Before You Start the Process Is bankruptcy looking more and more likely for you? If so, you’ve probably got plenty of questions on your mind. Working with a bankruptcy trustee can help put your mind at ease. Bankruptcy trustees, a casual term for Licensed Insolvency Trustees, are among the […]Read More

A well-dressed young woman in sunglasses rides an escalator in an upscale mall, fresh credit card purchases in hand.
July 4, 2018

Credit Card Debt Consolidation 101

Get Credit Cards Under Control With Smart Debt and Repayment Tips We’ve all been there, staring at a growing pile of credit card bills. We scan the documents, take in the shock of what we are paying in interest every month, promise ourselves that we will make changes, and then hash out a new plan […]Read More

A young woman sits on at a table on a balcony, holding her head in her hand as she stresses over financial papers.
June 4, 2018

Pay Off Student Debt and Save For the Future

Tips and Advice to Help Students and Young Professionals Get Out of Debt Faster For many, student loan debt is the barometer used to measure their stress and stability. High interest rates coupled with low wage jobs after college or university can produce what feels like life’s very first financial crisis. It does not have […]Read More

August 1, 2017

Why You Shouldn’t Hire a Non-Licensed Debt Consultant or Credit Counsellor

A few things to keep in mind before committing to working with a non-licensed credit counsellor or debt consultant.

a) Unlike Licensed Insolvency Trustees (LIT), credit counsellors and debt consultants are unregulated. Anyone can call themselves a credit counsellor or a debt consultant. They are not subject to formal training or professional development standards.Read More