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 [...]
Who Goes to See a Licensed Insolvency Trustee? March 11, 2022
Back in 2018, I wrote a series of blogs on “Who goes to see a Licensed Insolvency [...]
Causes of Financial Difficulty
People can be hard on themselves when they are unable to pay their debt obligations. They often [...]
What happens if someone co-signed one of my debts?
Filing a personal assignment in bankruptcy or consumer proposal will immediately provide you relief from most creditor’s [...]
How is Student Loan Debt Treated in a Consumer Proposal?
When you initially borrowed from the Government of Canada to fund your education, you never anticipated that [...]
