What happens at the first counselling session?
Lana Gilbertson-5635;Selina Jacobson-13986; Lana Gilbertson, Selina Jacobson 5635, 13986
2018-09-19T12:00:00Z 9/19/2018 12:00:00 PM

When an individual or couple files a consumer proposal or an assignment in bankruptcy, the Bankruptcy and Insolvency Act requires the completion of two financial counselling sessions with a Registered Insolvency Counsellor.

Categories: Debt Help
HR Policies to Help Businesses Reduce Costs and Help Employees Defeat Debt
Leah Drewcock-10828; Leah Drewcock 10828
2018-09-14T15:00:00Z 9/14/2018 3:00:00 PM

As Canadians struggle with record-high consumer debt, employers have plenty of reason to worry.

Categories: Debt Help
Don’t Let Debt Stress Weigh You Down
Sandra Wolverton-7769; Sandra Wolverton 7769
2018-08-30T12:00:00Z 8/30/2018 12:00:00 PM

People often come to me after months – sometimes even years of struggling with debt

Categories: Debt Help;Lifestyle Debt
Start Planning Now to Avoid That Holiday Debt
Donna Carson-3917; Donna Carson 3917
2018-08-29T13:00:00Z 8/29/2018 1:00:00 PM

If you listen carefully, you can already hear the subtle sound of sleigh bells off in the distance – just above the cheerful voices of tellers upselling stocking stuffers at the till.

Categories: Debt Help;Lifestyle Debt
Invest in retirement or keep focusing on debt?
Randy Kobbert-144; Randy Kobbert 144
2018-08-28T14:00:00Z 8/28/2018 2:00:00 PM

As a consumer finance professional, I field a lot of questions about money. But few do I experience more often than the age old – “Should I invest in my retirement or pay off my debt?”

Categories: Debt Help
Exploring the Differences Between a Consumer Proposal and a Bankruptcy
Nora Edwards-4440; Nora Edwards 4440
2018-08-28T14:00:00Z 8/28/2018 2:00:00 PM

In today’s constantly shifting economic landscape, many Canadian households are struggling to keep up from one payment to the next – let alone keep up with an ever-increasing cost of living.

Categories: Alternatives to Bankruptcy;Consumer Proposal;Bankruptcy;Debt Help
Aggressive Debt Repayment vs. Consumer Proposal
Sandra Wolverton-7769; Sandra Wolverton 7769
2018-08-23T12:00:00Z 8/23/2018 12:00:00 PM

For people with minor or even moderate debt, the combination of a structured financial plan and a few temporary sacrifices can go a long way toward eliminating their burden.

Categories: Consumer Proposal;Debt Help
Getting to Know the Licensed Insolvency Trustee
Bradley Milne-1351; Bradley Milne 1351
2018-08-21T12:00:00Z 8/21/2018 12:00:00 PM

Dealing with the stress of unmanageable debt is exhausting.

Categories: Debt Help
Will Bankruptcy Erase All of My Debt?
Mary Plahouras-5638;Rob Shier-7267; Mary Plahouras, Rob Shier 5638, 7267
2018-08-20T12:00:00Z 8/20/2018 12:00:00 PM

The intention of Canadian bankruptcy law is to provide honest and overextended debtors the opportunity for a financial fresh start.

Categories: Bankruptcy;Debt Help
What Happens if I Owe CRA a Lot of Money?
Doug Stuive-6512; Doug Stuive 6512
2018-08-14T15:00:00Z 8/14/2018 3:00:00 PM

Owing the government money can be very intimidating as it’s assumed the government has a limitless ability to collect the debt through any means necessary.

Categories: Debt Help

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