Calls from a collection agency or someone pretending to be the Canada Revenue Agency threatening to take you to debtor’s prison because of an unpaid debt is becoming part of everyday life. I personally can recall at least 5 phone calls from scammers pretending to be the Canada Revenue Agency...

It is interesting to meet people who have different stress thresholds when it comes to debt. Some people are terrified about having $10,000 in debt while others are quite comfortable when the number is ten times higher. When it comes to having a lot of debt, one of the main...

The pathway through life has many ups and downs and can have numerous potholes to avoid. Often, as we journey, the question comes to mind about how we could possibly change our life. One important way, if you are in debt, is to find life-changing debt relief. The self-help section of...

Sometimes in life, there are things that you just know that you have to do. For example, changing jobs, moving to a new location, changing relationships, and possibly changing your finances by declaring bankruptcy. While these decisions are not easy ones, you have likely put a lot of thought into it...

Often when we meet with people the question comes up about how their credit score will be impacted. A justifiable concern. If you are in a position where you are missing payments, or had a vehicle repossessed, your credit score has already been roughed up. Choosing the government approved option of...

In recent months, more companies than ever are facing financial difficulty. Insolvency filings have increased in both the oil and gas industry as well as retail. Companies, such as Reitmans, have had to seek protection from their creditors to avoid bankruptcy. When companies or individuals are faced with aggressive creditors,...

Your financial institution has sent you a letter stating that they are taking legal action to foreclose on your home. What should you expect? Foreclosures occur when homeowners are unable to pay back the lender of their mortgage, whether it be a financial institution, bank, or credit union. The institution who...

Accumulating too much debt typically does not happen overnight. It is more often a gradual process that builds up over many months and even years. As you go along making minimum payments everything appears to be just fine and life is good. However, if making those minimum debt payments is...

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