Debt Relief Experts
How Our Emotions Can Lead to Debt Problems
Have you ever made an impulse purchase? Are you finding yourself slipping further into debt because it keeps happening? Learn about how emotions can dictate spending habits, and what you can do about it.
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 Young Is Too Young For Bankruptcy?
Are you in your 20s, struggling with debt, and wondering if you should file for bankruptcy? Explore 3 important aspects you need to consider and how to ‘run the numbers’ before moving forward with this choice.
Is Your Student Debt Sustainable?
Student loans are among one of the top reasons people run into debt problems. Find out more about when student loans can be discharged in a bankruptcy, and other debt relief options available to you.
Do I Lose My RDSP If I File Bankruptcy in Canada?
Bankruptcy law does not protect RDSPs but the courts have ruled that they are exempt assets. Learn what this means for your registered disability savings and your bankruptcy.
5 Debt Lessons Every Student Should Know
Are you a student that is new to concepts like loans, credit cards, housing bills, and repayment plans? Find out 5 lessons you should know about student debt, and how you can manage your money wisely.
Renaming of the Air Canada Centre: Real Estate Status Symbol or Bad Omen?
Even big companies can have buyers remorse. Doug Hoyes looks at how big companies make spending decisions based on wants and desires and what you can learn for your own finances.
Straight Talk On Your Money: Why I Wrote the Book
Doug Hoyes took the experiences he saw over the years helping people manage problem debt and turned those stories into personal finance lessons you can use to better manage your money and live debt free.
Burn Your Mortgage with Sean Cooper
Sean Cooper's first book "Burn Your Mortgage" was controversial since he paid off his mortgage in just 3 years. He talks about what you can learn from his experience to pay off your mortgage faster.
How to Avoid Being House Poor
Have you ever heard the phrase, “house rich and cash poor”? In this blog post, we uncover exactly what that expression means, as well as our top 4 tips to follow so you can avoid this situation.
Can Unsecured Creditors Take My Car For An Unpaid Debt?
You may know your car lender has a right to repossess your vehicle if you don't make payments, but can other lenders (like a payday lender) make a claim on your car? We explain when this can happen & what to do.
How One Man Retired Debt-Free at Age 48
Times are different but there are still lessons we can learn from an earlier generation regarding day to day money management. We talk with someone who managed to save slow & steady and retire, debt free, at 48.
New Surplus Income Limits for 2024
The government sets a limit on how much income you can keep before you have to make extra bankruptcy payments. This limit is updated each year. Learn more about this threshold.
How to Minimize Debt As Your Family Grows
Your 30s and 40s are filled with significant milestones, which can result in accruing debt if you aren’t prepared. Find out ways you can deal with these milestones and keep your credit under control.
When Getting Another Loan Isn’t a Good Idea
Lenders might offer you more money to deal with your cash crunch, or to consolidation high interest loans like credit cards and payday loans. We explain when getting a new loan is a bad debt management option.
How to Repair and Rebuild Credit
Repairing your credit report after insolvency or small financial mistakes can be difficult if you don’t have the right tools. We’ll explain 5 steps you need to follow to successfully repair your credit on your own.