Debt Relief Experts
How to Minimize Debt Before and After Retirement
Carrying unpaid debts into your retirement is a high risk financial strategy. We explain how to deal with your debts sooner and have a strong financial preparedness plan before you retire.
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.
How to Find a Credible Financial Planner
Are you trying to find a trustworthy financial planner in Ontario? Find out how to find a credible planner, the income you need to work with them, and if you should use investments to pay down debt.
How Long Does a Bankruptcy Stay on my Credit Report?
One of the most common questions we get from our clients is “how long will the insolvency last on my credit report?” Learn how many years Canadian credit bureaus will report your bankruptcy or consumer proposal.
Reviving a Consumer Proposal After It’s Deemed Annulled
Fall behind three payments and your consumer proposal will be annulled by law. If this has happened to you, find out if it’s possible to revive an annulled proposal and exactly how to do it.
Creditor Protection: Consumer Proposal vs. Debt Management Plan
Have you been contacted or threatened by a debt collector, and are curious about what you can do moving forward? We explore two types of debt relief options you can use and how they can protect you.
Save Money with Recipes from Cashflow Cookbook
Would it be easier for you to follow “well-tested recipes” when it comes to optimizing your wealth? Explore recipes from the Cashflow Cookbook, learn about your net worth and how to save money without sacrifice.
How Long Does Bankruptcy Last?
Are you filing a first or second bankruptcy and have questions about how long you will be bankrupt? Learn about the typical length of a bankruptcy, factors that may affect this length and if there are alternatives.
What Information Is On Your Credit Report?
Credit reports carry a lot of information about the money you borrow, how you make payments and even some personal information. Find out what's on your report and how to read a typical credit report.
The Pros and Cons of Canadian Bankruptcy
Are you curious about the advantages and disadvantages of filing for insolvency in Canada? We provide you with the most notable pros and cons of bankruptcy, to help you navigate debt relief.
Second Mortgage Home Equity Loan or Interest-Free Consumer Proposal?
What can you do if you are unable to make your some debt payments yet you have significant home equity? We explain home equity debt consolidation, home equity loans and when a consumer proposal is a better option.
Does a Consumer Proposal Affect my House and Mortgage?
A consumer proposal deals with unsecured debts, not secured debts like a mortgage. If that's the case, find out how filing a consumer proposal affects your home equity, an existing or even qualifying for a future mortgage?
Pay Off Debt First or Follow Your Passion?
At a crossroads of wanting to pursue your dream job versus start paying off all your student debt first? Doug Hoyes and Alex Grodnik explore if you should prioritize debt repayment or take a risk.
How Do I Get Out Of Debt Without Losing My Home?
Do you want to learn more about how insolvency can affect your home? This blog outlines Ontario’s exemption law on home equity, current mortgages, and strategies to plan your way out of debt while keeping your house.
How to Get Debt Consolidation with Bad Credit
You have debt and poor credit. Can you get a debt consolidation loan and how much will this cost? We explain the consequences of a bad credit consolidation loan and give you options.
Why Women Face Higher Bankruptcy Risk
Females have unique challenges to manage when it comes to debt payments and accruing debt. Find out why women are more likely to become insolvent and how to protect yourself from different forms of debt.