Making the decision to get protection from your creditors by way of a federally regulated consumer proposal or bankruptcy filing is a big step. The stated goal is to provide the honest but unfortunate person a fresh start with their finances. In reality, that decision starts you on a pathway to...

Occasionally we hear the concept being discussed whether debt is good debt or bad debt. In a perfect world, the best kind of debt is no debt! However, sometimes debt is necessary in order to make life work. Even our government leaders try to spin taking on debt as an...

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...

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...

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...

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