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When We Get Married, Does My Partners' Debt Become My Debt?

Many Canadians enter marriage with a sizable debt burden from both parties. As the most heavily indebted country in the world by some measures, that doesn’t come as much of a surprise.

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Whats In Your Credit Report And Wow It Affects You

Have you ever requested a copy of your credit report? Many people I know never have and aren't even sure what it is or how to get one.

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What To Discuss With Your Spouse Before Merging Your Finances

You finally met the right person and now you want to take your relationship to the next level. You move in together or you want to make it more official and get married.

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What The Ontario Debt Settlement Industry Will Look Like In Ontario By 2017

In early 2015 the Ontario Government announced dramatic changes to the law in Ontario regulating the debt settlement industry, effective July 1, 2015.

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What The January 2018 Interest Rate Hike Means To Your Debt Level

The Bank of Canada raised its key interest rate, the overnight rate, by a quarter percentage point to 1.25 percent on January 17, 2018, the highest it has been since 2009.

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Who needs an emergency fund?

​Of course, this is a trick question… Everyone needs an emergency fund.

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What Happens At The First Counselling Session?

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.

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What Do I Do If I Filed For Bankruptcy And Failed To Complete My Obligations

What do I do if I filed for bankruptcy and failed to complete my obligations 6 years ago? do I have to file another bankruptcy or can I continue with the first?

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What Debt Collectors Can And Cannot Do

Managing a spiraling debt load is stressful enough without a constant barrage of phone calls reminding you that you’re behind on your payments.

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The Top 5 Categories Of Family Debt – Part 1

One of the most heartbreaking aspects of debt we see is the breakup of family relationships when a guarantor is called upon to pay a family debt. T

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