Consumers have often expressed their concerns to me about harassing calls from debt collectors and how to deal with collection agents. Some even complain that even though they have made an assignment in bankruptcy (i.e. filed for bankruptcy) or made a Consumer Proposal, some credit collection agents continue to call.

When a person in debt is trying to solve their money problems, they first have to make a choice of which debt solution they should use.

In Alberta, the answer to this question would be yes.

My question pertains to my spouse's debt. He has a government of Ontario Student Loan which he has not paid back in full yet - and it seems it's been some time since (he hasnt paid much to it in the 6 years we have been together - he has been graduated for 10) It is now 'contracted out' to a collection agency.

If I file for bankruptcy, who will know? Will my employer find out?

Hello, I am wondering if I could declare bankruptcy to pay off my debt to ICBC, and what bankruptcy is all about. If you could please contact me with the information I seek that would be appericated. Sorry I wasn't quite sure which one to check off. Thank you

as a family we have 2 cars with loans and a mortgage. if we go bankrupt can we keep the cars and house but claim the credit cards and line of credit.

It may not buy happiness, but there are few situations more stressful than not having money when you need it.

Learn about what happens after you complete your final payment under a consumer proposal. Read this blog about your life after a consumer proposal.

no job, no assets $20,000 debt