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Not all debts are Forgiven

A consumer proposal or a bankruptcy is a formal process under the Bankruptcy and Insolvency Act that allows people to get discharged from their debts that they owe to creditors.  Certain debts/obligations will survive the process and you will be still required to pay...

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Tips on Creating a Budget

Don’t be scared off by the “B” word. It is really just a way to organize your finances. All you need is a very simple basic budget! There is no reason to make it complicated. Your budget should be flexible and change according to your current needs. In order to create...

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Rebuild your Credit with a Secured Credit Card

A secured credit card is a type of credit card that requires you to pay the issuer a security deposit.  You'll need to put a security deposit down which will be held in a special savings account.  Depending on the credit limit you request, the required security...

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Life After Bankruptcy/Consumer proposal

One of the most common reasons that stops a person from contacting a trustee in bankruptcy is the fear of the unknown.  Hopefully our new blog will help reduce those fears and enable you to make informed decisions on what is best for you and your creditors.   Life...

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Rebuilding your credit rating

It is important to have good credit in our society as it is required for most things, such as booking a hotel room or an airplane ticket.  As well, most people can only finance big items (ie: home, car, etc) with the assistance of credit.  The following are easy tips...

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