Debt Relief Experts
A Three-Pronged Approach to Financial Literacy
Has your financial literacy improved in the last 8 years, since Canada started Financial Literacy Month? If not, Doug Hoyes explains three aspects of finances that you should be highly proficient in.
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.
Why You Want to Avoid Debt at Every Age
Every age brings its own financial stresses. In this guide we explain why it’s important to avoid debt at every stage of your life and how to manage your debt wisely from your 20s to your 60s.
Can Bankruptcy Stop The CRA Collection Process?
Are you feeling pressure because you have unpaid debts to the CRA? In this guide we’ll explain various CRA collection methods and how insolvency works to stop the CRA and clear your tax debts.
Should You File Bankruptcy in Canada if Living Abroad?
Do you have unpaid debts in Canada, but are currently not living here? Our experts explain the requirements for declaring bankruptcy when you no longer live in Canada and what happens if you don’t file.
How to Get Help with Debt
Are you wondering where to start when seeking professional help for managing your debt? Find out the 4 key questions you need to answer to begin this process and what debt relief options are available for you.
What is a Robo-Planner? Automated Financial Planning
Learn about a new computer technology called Robo-Planner, how it compares to robo-investing, and how leveraging this technology can help you with financial planning.
Should You Have a Joint Bank Account?
Our experts offer their advice on the pros and cons of joint bank accounts and credit cards, and what happens to these accounts when one person finds themselves facing insolvency.
What to Do if You are in Default on your Loans
Have you missed several months of debt payments and wonder what the implications are? We explore what it means to default on a loan, how it affects your credit, what options you have and more.
Investment Selling is Not Financial Planning
Fee-for-service financial planning or commissions? How should you pay for investment advice? We explore how to tell how to tell if someone is giving good advice or just trying to sell you a product.
What Do You Have To Do If You Go Bankrupt?
Are you thinking about filing for bankruptcy and want to know more about what this form of debt relief requires from you? Learn about the duties you are responsible for in order to clear your debts.
Please Stop Paying for Consumer Proposal Representation
Should you pay for third party advice when seeking a consumer proposal? We explain what a consumer proposal administrator is and why you should work directly with a Licensed Insolvency Trustee for debt help.
Walking Away From A Mortgage in Canada
Are you unable to meet your mortgage payments, and are wondering what options you have next? Doug Hoyes explains mortgage shortfalls, full recourse mortgage laws in Canada and how to manage them.
Guide to Student Debt Forgiveness
Are you struggling with payments on your student debt? Here is our comprehensive guide on government relief programs for student loans. Learn when student loans can be discharged in a bankruptcy.
What is Financial Hardship for Student Loans?
Bankruptcy law discharges student loans if you have been out of school for seven years however you can make a hardship application for discharge after 5 years. Find out how.
The Impact of Bankruptcy on Your Marriage
Wondering if a bankruptcy will have an impact on your partner or not? Find out IF a spouse would be affected by your personal bankruptcy, and how you can deal with debts in divorce.