Debt Relief Experts
Should You Use Your Bonus To Pay Off Debt?
Do you have unpaid debts piling up and have recently received some unexpected income? Find out 9 ways to spend this money efficiently and how to avoid common mistakes we see when people get a bonus.
Ontario Bankruptcy Blog
Our knowledgeable team of Licensed Insolvency Trustees provide information and expert advice to help you on your way to becoming debt free. Our blog includes podcasts, videos, articles, case studies and Industry Insights about consumer proposals and bankruptcy in Ontario as well as personal finance, credit rebuilding and other money management tips for anyone looking to get out of, or stay out of, debt.
Christmas Etiquette When You’re Dealing With Debt
Are you feeling the stress of having to buy gifts during Christmas, while dealing with debt payments? Here is our guide on the etiquette of leaving tips, re-gifting and donating when you are in debt.
Protecting Yourself Financially from Unexpected Life Events
Do you have a financial plan in case any unexpected life events occur? Doug Hoyes discusses your financial risk, how to reduce potential financial trauma and how you can eliminate any financial weaknesses.
Retraining for a Second Career while Dealing with Debt
Are you juggling training for a second career and trying to keep up with your debt payments? Learn about how Second Career Ontario can help with the cost of retraining so you avoid more debt.
The Cold-Hard Truth About Unlicensed Debt Consultants
Are you feeling overwhelmed by debt and wonder if unlicensed debt consultants can help you? Doug Hoyes exposes the facts about these consultants and how to avoid unnecessary costs.
Avoiding Debt Problems After a Personal Injury
Have you experienced an injury or accident and worry about going into debt while you recover? Here are some tips to help you deal with your finances and avoid debt problems while getting well.
How to Stop a CRA Wage Garnishment
The CRA has strong collection powers, one of which is the ability to garnish your wages. Learn everything you need to know about a CRA wage garnishment and what you can do to avoid this proceeding.
What Happens To My Professional Designation If I File Bankruptcy or Consumer Proposal?
Financial struggles can occur in any situation, even those with certified designations. Find out if a bankruptcy or consumer proposal impacts your professional license, from Lawyers to Medical Doctors.
The Benefits of Making Small Micropayments Towards Debt
Paying down debt doesn't have to take big chunks of money. Doug Hoyes explains how to pay down debt sooner using micropayments and how it improves your financial situation.
What is a Registered Consumer Proposal?
Navigating the validity of information on insolvency may be overwhelming due to unregulated businesses claiming their services can help. Learn about what a registered consumer proposal is and who can legally provide them.
Bankruptcy Protection in Canada: An Automatic Stay of Proceedings
Are you considering filing for insolvency and are curious how the process stops your creditors? Find out what a stay of proceedings is and how quickly it starts helping your financial situation.
How Bankruptcy Works for Debtors and Creditors in Canada
Curious how bankruptcy works? Our detailed guide explains what happens when you file, how it affects your debts and assets, as well as what you need to do to declare bankruptcy.
Can You File A Consumer Proposal Twice?
Have you previously filed a consumer proposal and find yourself in financial hardship again? Learn about how you can file a proposal again and if there are any differences about the process.
Frozen Bank Account. Your Rights and What To Do Next
Has one of your creditors frozen your bank account? Find out who can use this form of collection, how to clear your frozen account and answers to other common questions you may have about this legal action.
Ontario Bankruptcy Exemptions: Assets You Can Keep
Will you lose everything if you file for bankruptcy in Ontario? We explain what assets you keep by law, what you may lose and an alternative option you may have so you can keep everything.