Settling debts on your own versus filing a consumer proposal
If you have fallen a couple of months behind on your minimum monthly payments, your creditors have [...]
What happens if I can no longer pay my consumer proposal?
When you filed your consumer proposal to your creditors, you couldn’t possibly have imagined the world would [...]
What happens to debts that have been co-signed in a bankruptcy or proposal?
The purpose of filing an assignment in bankruptcy or consumer proposal is to provide you relief [...]
Check Your Credit Report with These Credit Reporting Agencies in Ontario
It is recommended that you check your credit report at least once a year for accuracy and [...]
What is the First Step to Filing a Bankruptcy or Consumer Proposal?
If you have finally taken the very difficult step of acknowledging that you cannot handle your debt [...]
What happens if I can no longer continue my business due to overwhelming debt?
The Office of the Superintendent of Bankruptcy reported a 58.3% increase in Canadian business insolvency filings in [...]
Starting 2023 with a Financial Fresh Start
We likely all welcomed the lifting of pandemic restrictions and the return to in-person activities in 2022. [...]
A True Fresh Start from Filing a Consumer Proposal
Three years ago, I met with a gentleman who had no source of income, was unable to [...]
Office of the Superintendent of Bankruptcy’s (“OSB”) 2021 Canadian Consumer Debtor Profile
Almost every person that I consult with about a personal bankruptcy or proposal has unique circumstances or [...]
Tips to Adjust for the Increased Cost of Living
September 6, 2022 Have you actually sat down and analyzed how much groceries have increased over the [...]
