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What Happens If I Don’t File My Taxes in Canada

All Canadians are required to file their tax returns on time every year. Unless the government extends the deadline, as it had during the COVID pandemic, the deadline is April 30, and filing your taxes late, or not at all, can have severe consequences. This blog will look at the legal requirements for filing your […]


How Are Consumer Proposal Payments Calculated in Canada?

Unfortunately, there is no consumer proposal payment calculator for Ontario or Canada. The cost of a consumer proposal varies in each case, depending on income, assets and debts. However, consumer proposal payments typically come to about 30-40% on the dollar.  The logical follow-up question is: How are consumer proposal payments calculated in Canada? This blog […]


How to Fast-Track Your Path to Debt Relief in Ontario?

Are you burdened with bad debt and searching for fast relief in Canada? If yes then you are landed on the right page. In this guide, we will walk you through effective strategies and practical steps to help you get rid of bad debt swiftly and reclaim your financial freedom. Dealing with bad debt can […]


What is a Consumer Proposal and How Does It Work?

A consumer proposal is a legal arrangement between a person (referred to as a consumer debtor or simply a debtor) and their creditors in which the debtor pays back (often) only a portion of the amount that is owed to their creditors over an extended period of time (up to 60 months).  A consumer proposal […]


What is Personal Bankruptcy and How Does It Work?

Bankruptcy has a reputation as one of the “uncomfortable” subjects that people don’t often discuss, and it is perhaps for this reason that there is a lot of false information out there. Add the stress of dealing with aggressive creditors and unpaid bills and it is no surprise that many people in debt suffer in […]


What Is A Licensed Insolvency Trustee?

In April 2016 Canadian Bankruptcy Trustees were given a name change. The new name: Licensed Insolvency Trustee (LIT) – a name that indicates that we do more than just help with bankruptcy, that we offer additional options. Prior to our name change we were known as Bankruptcy Trustees (or Trustee in Bankruptcy).  It is important […]


Welcome to the Chande & Company Blog

Helping people to resolve their debt problems is a top priority for Chande & Company. Our firm was founded by Licensed Insolvency Trustee Mihir (Mike) Chande in order to offer a more personalized approach to solving debt problems. Mike has combined insights from working in large firms with his experiences working in smaller practices.  We focus […]

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