Debt Relief Experts
Talking Out Loud About Debt with Scott Terrio
Simply put, it’s difficult for people to talk about debt and bankruptcy. Scott Terrio and Doug Hoyes explore the conversation of educating Canadians on financial literacy, and specifically insolvency.
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 Correct Errors On Your Credit Report
It's non uncommon for credit reporting companies to make mistakes on credit reports. We explain why you should check your credit report yearly, common mistakes to look out for, and how to fix them.
Debts You Can and Cannot Include in a Consumer Proposal
Will a consumer proposal deal with your particular debts? Find out how student loans, credit cards, business debts and more are treated in a proposal, and if it’s right for your financial situation.
Negotiating Consumer Proposals. What Your Creditors Expect.
Do you want to learn more about the negotiation process involved in a consumer proposal? We'll explain what creditors might expect in a proposal based on internal policy and who does the negotiating.
Can You Rent and Still Be Wealthy? with Alex Avery
Have other people’s opinions been swaying you to buy over rent, because it’s a ‘better’ investment? Alex Avery outlines 3 crucial points to consider when it comes to making this huge financial decision.
10 Key Canadian Debt Statistics That Explain Consumer Insolvency Growth in 2019
Every year we explore the top 10 Canadian economic factors that affect consumer debt and insolvency filings in Canada. Doug Hoyes explains what's behind the trend in debt levels, affordability and more.
What Does it Cost to File for Bankruptcy in Ontario?
We explain the three factors that affect how much you may have to pay to file bankruptcy in Ontario: income, assets and if you have filed before.
52 Tips to Avoid Debt
Learning how to successfully avoid debt is an important step towards having a financially stable life. We asked our team of experts for their input and they came up with 52 easy-to-use tips for avoiding debt!
Never Loan Money to Family and Friends
Is someone you love asking you for a loan? How can you tell if you are financially stable enough to help them or not? Doug Hoyes explores this topic and provides a real-life story from a client.
10 Personal Finance Books That Make Great Gifts
A good personal finance book can expand your financial literacy and improve your overall finances. In this blog, we divulge our favourite books about money management, real estate, retirement and more.
What Type of Borrower Are You?
Your money behaviour impacts what type of borrower you are. We show you if you are a pay in full, saver, fee payer or payday loan borrower, and why it's important to know.
Let’s Call a Spade a Spade: Credit is Debt
Are credit and debt interchangeable? Find out why banks and credit card companies choose to use the phrase credit card, credit rating and credit score, despite credit really just meaning debt.
Is Filing a Consumer Proposal or Bankruptcy an Admission of Failure?
A common pattern we see with our clients is that they put off seeking debt relief due to feelings of guilt and failure. We want to bust the myth that insolvency means failure. Doug Hoyes explains.
Wage Garnishments: What Income Can be Garnisheed?
Has a collector threatened you with wage garnishment, and you’re unsure of what it means? We’ll explain what kind of income and how much can be garnished, as well as what you can do to stop this action.
Top 5 Alternatives to Bankruptcy in Canada
Not sure if bankruptcy is the right choice for you? In this blog, discover what debt relief alternative will suit your financial situation, as we explore 5 options from personal budgeting to insolvency.