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Why You Should Never Pay a Collection Agency

Apr102024

Why You Should Never Pay a Collection Agency

If you have dealt with overdue bills, whether a credit card, bank loan or other debt, you may have been contacted by a collection agency demanding payment. Many lenders send overdue accounts to these agencies or sell the account for pennies on the dollar to recover at least part of the money owed. The collection […]

Credit bureaus monitor your credit history and log files containing details on your credit.

Mar142024

How Do Credit Bureaus Work in Canada?

If you have ever tried to get a credit card or a credit at a financial institution, you will have come across the terms “credit check” and “credit score.” So, if you have been wondering where this comes from, there is a third term, “credit bureaus.”  Credit bureaus monitor your credit history and log files […]

petition to file for bankruptcy

Feb292024

What Can They Take During Bankruptcies?

For many Canadians, the first thought when thinking about bankruptcy is, “I’m going to lose everything.” However, even in bankruptcy, there are assets that you can keep, known as bankruptcy exemptions. Every province and territory has their exemptions besides the federally regulated exemptions. In Ontario, the exemptions are set out in the Execution Act of […]

Credit Counseling

Feb262024

Bankruptcy vs Credit Counselling: Pros and Cons

Filing for bankruptcy can be a daunting process, filled with intricate details and legal procedures. It’s a decision often arrived at after much consideration and, typically, as a last resort to manage insurmountable debt. However, the complexity of bankruptcy filings means that it’s alarmingly easy to make mistakes that can affect the outcome, or even […]

what is personal bankruptcy

Feb122024

A Step-by-Step Guide on How to File for Bankruptcy in Canada

Many Canadians struggle with debt; sometimes, bankruptcy is the last option to escape the crushing burden. This journey begins with filing for bankruptcy with the assistance of a Licensed Insolvency Trustee (LIT), the only professional in Canada licensed and regulated to administer bankruptcies. Bankruptcy is a legal procedure where you surrender any non-exempt assets to […]

Can You Cancel a Consumer Proposal

Jan82024

Can You Cancel a Consumer Proposal?

Financial difficulties can be overwhelming, and a consumer proposal might offer a workable debt relief option for many people. With a consumer proposal, you can make a manageable monthly payment to your unsecured creditors while stopping interest payments for up to five years. A consumer proposal is an effective approach to settling your debts if […]

Wage Garnishments

Dec192023

How to Stop a CRA Wage Garnishment

Wage garnishment is a legal process the Canada Revenue Agency (CRA) uses to collect outstanding tax debts. A wage garnishment involves the CRA contacting the debtor’s employer to send a portion of their wage directly to the CRA. You may wonder, “How much can CRA garnish from wages?” The government has the right to garnish […]

debt collection

Dec122023

Can A Debt Collection Agency Sue You In Canada?

If you are behind in your debt payments, you may be receiving calls from debt collection agencies that can be unsettling. It is not uncommon for a debt collector to threaten legal action if you don’t pay it back by the payment due date. You may be wondering, “Can a collection agency take me to […]

car loan in consumer proposal

Nov282023

Can You Include Your Car Loan in a Consumer Proposal?

A consumer proposal might be a lifeline for those overwhelmed by debt during hard financial times. A binding agreement between a debtor and their creditors enables debt repayment at a more reasonable pace. However, many people are unsure how a consumer proposal may affect their current auto loan or their ability to get a new […]

petition to file for bankruptcy

Oct272023

Bankruptcy Petition Mistakes to Avoid

Filing for bankruptcy can be a daunting process, filled with intricate details and legal procedures. It’s a decision often arrived at after much consideration and, typically, as a last resort to manage insurmountable debt. However, the complexity of bankruptcy filings means that it’s alarmingly easy to make mistakes that can affect the outcome, or even […]

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