Our Insights
Budgeting Tips: Getting Your Budget In Place
Money has a purpose. The work you do all day isn’t just for the immediate future - it’s to accomplish long-term goals using a budget. It should be used for something meaningful, and you should be spending meaningfully, even when you’re spending on yourself. The best...
When To Ask For Help Regarding Debt
Asking for help when debt is insurmountable can be very tough. Getting into a situation where professional help is needed can be embarrassing, yes, but the truth is that even the best of us end up beyond our means at some point. Remember, trying to live with mountains...
Marriage Debt Responsibility: Divorce, Debt and Bankruptcy
Quite often in our field, we meet with people who are experiencing a separation or are initiating a divorce because of debt problems. If your finances become unmanageable, without a doubt, your debts will begin to hold you and your family back from achieving short and...
Can I File Bankruptcy on Student Loans?
Can I file bankruptcy on student loans? The short answer is: it depends. It depends on the type of student loan –bank or government; and how long you have been out of school. In this blog we will go into further detail about the rules on getting a discharge from...
What Is A Consumer Proposal?
A consumer proposal is an alternative to filing for bankruptcy in Ontario. Only a licensed insolvency trustee (LIT) can administer a consumer proposal, as they are licensed by the federal government to file this proposal on the debtor’s behalf; don’t trust another...
Business Bankruptcy
No Longer Open for Business. Now what? Your business had a good run but now you have closed the doors for good. This may have happened for various reasons like poor market conditions, an unforeseen event, personal health or even the Big-Box competitor that has moved...
How Can I File Bankruptcy
It is a beautiful day outside and you would love to take the family out for the day but you’re wondering how to afford it after spending hundreds of dollars on minimum payments towards your debt. You wonder how long this will go for and you look at the bottom of your...
First Step to File Consumer Proposal!
Steps to a Consumer Proposal As interest rates rise and household debt ratios increase, more people are looking for solutions to their debt problems. Consumer proposals (proposal) have become a popular option to reach that goal. Filing a proposal to break free from...
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