Chase & Associates
Savings. What’s that? For so many people, the concept of savings seems like a fairy tale. Living month to month or paycheque to paycheque is a challenge in itself. So many times it seems like there is more month than money. It is not unusual to start off with the...
There are a variety of options for reorganizing your finances and the internet can make some look a lot better than how they actually turn out. We have talked with people who had previously been informed that they should not proceed with bankruptcy protection because it is “bad”. Bankruptcy protection in...
According to Federal Government statistics, Consumer Proposals continue to grow in popularity across the country as a practical way for an overburdened individual to obtain relief from unsecured creditors. In fact, the amount of Consumer Proposals filed on an annual basis has eclipsed the number of personal bankruptcies filed! Why...
Sometimes we field the question: Am I even eligible for bankruptcy? An honest question. The Bankruptcy and Insolvency Act (BIA) is Federal Law and is available for people from coast to coast to utilize in order to obtain a fresh start with their finances. It is the BIA that sets the...
Some things in this world are very fast. A peregrine falcon or a cheetah come immediately to mind. For plant lovers, maybe you would think of fast growing bamboo, or more locally, bull kelp. However, nothing can compare with how fast interest on credit card statements can grow! It seems...
If you are experiencing significant financial difficulty, it’s tough to know where to look for help. The stress of facing possible bankruptcy can cloud your ability to judge good advice from poor advice. There are so many options to choose from, all with different titles, and you might not be aware of...
I had the distinct pleasure of attending the 2017 Annual CAIRP Conference in beautiful Kelowna, BC back in August. As we were in the winery-rich Okanagan, the organizers invited us to ‘sip and savour’ the knowledge and insights offered by our peers and industry experts.The conference was packed with panel...
Some people love to shop. Other people hate it. There is no doubt about it that we are not all the same which is a good thing. However, whether you are looking at buying a vehicle, toaster or a pair of jeans everyone should be asking how much does it...
When you were a kid, did you ever experience difficulty sleeping because you thought there was something, maybe a monster, under the bed or in the closet? Living with debt can produce a similar sense of unease and can create difficulties sleeping. When you make the decision to get some...
Canada Revenue Agency (CRA) has a very heavy hand when it comes to collecting on income taxes which can include seizing your bank account. This is usually the last resort, after repeated phone calls and letters so you can't pretend this is a surprise. You may not have believed they'd...