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There are many organizations that present ‘debt management programs’ as a solution to your debt challenges. In reality, these organizations essentially attempt to negotiate an informal debt settlement on your behalf for a fee. You would sign a contract with a debt consultant who will then work with your unsecured creditors on reducing your interest rate and how much you owe while extending the time period you have to pay back debts. You will then...
Many Canadians use credit cards on a regular basis — but have you ever considered what a credit card actually is? Essentially you are borrowing money from your financial institution, with the intent of paying it back within a specific timeframe. Failure to pay off your entire balance results in high interest rates (around 19% or more) on the remaining balance, while a failure to make your minimum payments may hurt your credit score, increase...
A payday loan is a short-term loan designed to provide you with some extra money until your next paycheque. Typically speaking, a payday loan is limited to 30% of your take-home pay. You are expected to pay back this loan once your next paycheque arrives by providing the payday loan provider with a post-dated cheque. While a payday loan doesn’t require credit approval, it is one of the most expensive ways to borrow money, with interest rates...
I’ve recently worked with Mary Plahouras of MNP with regards to a Consumer Proposal. Mary’s level of knowledge and expertise was impressive, as was her patience and understanding as I attempted to understand and navigate a difficult situation. Her guidance and support has enabled me to move forward - and I’m beyond pleased with the service that Mary and MNP have provided.
Jillian Anderson has been absolutely fabulous while assisting my parent with filing their paperwork throughout the bankruptcy process. Thank you, MNP!
I've been dealing with Kee throughout the whole process. She has been very kind, patient, and an absolute gem to deal with. Anytime I have a question, she's always been there to answer my e-mails or phone calls. She made me feel at ease from the very beginning. I would definitely recommend MNP.
Just wanted to thank MNP so very much for helping me through my Bankruptcy. It was wonderful to receive my Certificate of Discharge. There are no words to describe how thankful I am to MNP and Sara McElroy. My life was in turmoil before I approached MNP, and for that I will be forever grateful. I have learned so much through this process that I will carry on with throughout the remainder of my life. Your patience with me was so much appreciated....
I can’t express how deeply grateful I am for the support and guidance I received from Sara McElroy at MNP. My case was complicated and had been weighing on me for a long time, and for over a year, I struggled with whether or not to take the next step. When I finally decided to trust someone, it was Sara who gave me the compassion, empathy, and professionalism I needed to move forward. Sara never once made me feel shame about the situation...
Hello. I want to comment on my very positive experience with the work of Mary Plahouras, senior estate manager with MNP Ltd. Her energy, attention to detail, patience, and compassion with my complicated debt situation gave me hope and improved confidence in settling my financial affairs. She went to great lengths to explain all the procedures for settling my debt and devoted an exceptional amount of time and attention to my case. I thank Mary for...
