Derek L Chase & Associates Ltd.
The west coast of BC is a great place to live. Outdoor opportunities are endless and it can be super useful to have a truck. Whether you are pulling a boat in Prince Rupert or going camping near Campbell River, a truck is typically the vehicle of choice. In addition,...
It’s common to feel anxiety when you have debts that you are unable to pay. This feeling is increased by the phone calls you receive from debt collection agencies. These calls can often be threatening or intimidating as the collection agents try different tactics to try to get you to...
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...
It might be a surprising fact to learn that the world wants you to go into debt. Congratulations you are pre-approved! Buy now, don’t pay for a year! These are basically tricks to make you slave to an interest payment. Before you know it, your payments are not even budging...
Keeping a monthly budget is an essential part of healthy finances, no matter how much money you make. A budget is simply a plan for where your money will go before you spend it. But it can be daunting to get started. If you haven’t started to budget yet, you...
There are countless things that cause Canadians to experience financial difficulty. Things such as job loss, poor spending choices and being a victim of fraud are just a few reasons behind Canadians’ financial troubles. Among these, a relationship change, whether that means a breakup, separation, or divorce, is one of...
When someone contacts us to find a solution to their debt problems we are required to gain an understanding of their financial situation. We refer to this free and confidential meeting as providing a financial assessment. During the meeting, we go over a variety of options that might provide debt...
Many people struggle managing their monthly budget and could benefit from receiving financial counselling. Or in other words, a money coach. Financial counselling, sometimes called credit counselling, is available at our office. There is no doubt that everyone’s life has been impacted by a coach at one point or another. That...
The Canada Emergency Response Benefit (CERB) was designed to help those that lost their jobs or had their household income reduced due to the Covid-19 Pandemic. When it was first introduced the government's intent was to provide financial relief to those that needed it as quickly as possible. As such...
What a stressful event. After you get over the shock, frustration, and sadness, you need a plan. We are currently facing uncertain times but one never knows the financial stability of our employer. It's a very difficult experience and time to go through for all those involved, however, it is important...