Debt Relief Experts
Ontario Limitations Act and Old Debts
If you ignore a few old debts for long enough will they disappear? Doug Hoyes explains what an old debt is, how they are dealt with and which are excluded from the limitation period.
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.
25 Debt Consolidation Tips From Our Experts
The Licensed Insolvency Trustees on our team have noticed an upward trend on debt consolidation in Ontario. Before you make this decision, learn the 25 tips on debt consolidation we've curated from our experts.
How Do I Know If I’m Insolvent?
It's not the amount of debt you have but your ability to repay your financial obligations that indicate whether you may need to file insolvency. Learn if you are insolvent and when you should talk with a trustee.
Can Debt Consolidation Hurt Me Financially?
Are you considering consolidating as a way to manage overwhelming debts? In this blog, we explore the pros and cons of various types of debt consolidation and provide an alternative solution.
Gender Bias in Financial Preparedness
Our annual Joe Debtor study revealed differing reasons for why women and men become insolvent. Doug Hoyes talks with Georgia Graham of WEST about skills women need to become more financially prepared.
Filing Bankruptcy to Avoid a Judgment or Lawsuit
Has a debt collector threatened you with a judgement or a lawsuit for your unpaid debts? Find out how these legal proceedings work, how insolvency can stop a judgment, and when is the right time to act.
Self-Employed and Considering a Consumer Proposal? 5 Things You Need to Know
Are you struggling with inconsistent income and increasing debts? A consumer proposal may be a great option for your debt relief. This blog explains five things you need to know about them before filing.
How To Check Your Credit Report for Free
Do you check your credit report on an annual basis? We believe it’s an important and healthy financial practise. Learn about why and how to check your report, as well as how to ensure there are no errors.
Privatize CMHC? A Politician Says Yes
The Canada Mortgage and Housing Corporation insures mortgages where Canadians have less than a 20% down payment and has an 80% market share. In this blog we explore whether CMHC should be privatized.
Who Will Know I Filed Bankruptcy?
Filing for bankruptcy may bring up feelings of embarrassment, and it’s understandable if you don’t want everyone to find out about it. So, who can find out if you've filed bankruptcy? Doug Hoyes explains.
Financial Literacy: Does it Belong in Ontario’s Curriculum?
We explore why implementing financial learning into high school curriculum, specifically the grade 10 career studies course, is beneficial for our youth and what should be included.
What Happens to Air Miles Points if You Go Bankrupt?
Air miles points and other loyalty program points are considered your personal property. We explain what assets are included and exempt from a bankruptcy, and what happens to your loyalty points.
Basic Income. Is it a Silver Bullet for Poverty?
Solutions for ending poverty are often controversial. One idea that has sparked recent interest is the concept of basic income. In this podcast Doug Hoyes explores the costs and criticisms regarding this option.
Mogo Loans: Are They A Good Deal?
Mogo was one of the first new-age fintech lenders to enter the Canadian market. We review what this ‘sexy’ approach to lending really means for consumers and offer practical advice on the cost of getting a Mogo loan.
How Long Does It Take To Get My Credit Back After Bankruptcy or Proposal?
Completing a bankruptcy or consumer proposal offers a fresh financial start. Doug Hoyes explains how you can rebuild your credit following insolvency and how long rebuilding credit after insolvency can take.