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.
Have you filed for insolvency, and your finances have changed for better or worse? Learn about the personal situations where you can switch from bankruptcy to consumer proposal, and vice versa.
Find out what debt consolidation loans and consumer proposals are, and learn the pros and const of which debt restructing option will best help you manage, and eliminate, your debts.
Do you feel like you’ve never been taught how to budget properly, or just don’t have the time or motivation to? Doug Hoyes explains his “cheat way” to financial success with money management.
If you have multiple debts, you need a plan for repayment. We explain whether you should pay high dollar or high interest debts first, when to use balance transfers and what to do when balances are too large.
Not everyone struggling with debt has to file for insolvency. Learn about how and when to negotiate a debt settlement on your own with your creditors, and other aspects to consider in the process.
How do you pay off a large sum of debt, say $20,000 or $30,000 or even $50,000? Doug Hoyes explains what you need to consider when tackling big debt loads.
Banks want you to pay more in interest, which is why they only ask you to pay the minimum balance each month. Find out how minimum payments keep you in debt and how to pay down credit card debt successfully.
A large and unexpected cost can throw a wrench into your budget or cause you to turn to high cost debt. Explore how even a small emergency fund can help your finances.
In 2018, Tesla was showing warning signs of a possible bankruptcy. Doug Hoyes uses his excerpt skills to analyze Tesla’s financial problems, and how your personal finances can benefit from this knowledge.
Learn about how a proposal deals with your unsecured creditors, whether you can hold back debts and how it may impact secured creditors like your mortgage or car loan.
Do you have all your eggs in one basket when it comes to banking? Is using one bank a good idea? Find out 3 reasons why we think it’s better to spread your finances out, using different banks for your protection.
Have you recently filed for bankruptcy, and are curious about the process of bankruptcy court? Learn about what you can expect in this proceeding, and everything you can do to properly prepare yourself.
Are you looking for strategies to improve your financial wellness and want to see tangible results? In this blog we explore all things financial wellness and how your employers can help you achieve it.
Did you know that bankruptcy is a legal and regulated process governed by federal legislation? Here is our easy-to-understand guide on the Bankruptcy and Insolvency Act, including 6 rules you need to know.
Are you having some sort of a moral dilemma because you want to file for insolvency to create a fresh financial start for yourself? Find out 5 reasons why bankruptcy is not morally wrong.
Debt Relief Experts
