You’re a good, honest person. You know you should pay your debts. You want to pay your debts. But you can’t.

Would you please explain "net income" - What if we have deductions as in CPP, Medical Insurance, and Super Anuations - Would we have to include that to our net income? Thanking you. Just very concerned before making a committment.

Would my employer find out if I file for bankruptcy?

The ability to keep your house when filing for bankruptcy depends on several factors.

Will I lose my home if I file bankruptcy?

The answer is no. A Government-Licensed Trustee will be there to help you through the process.

Bankruptcies and consumer proposals are government legislated options that may assist you in addressing your debt problems. In either proceeding, the bankruptcy or consumer proposal is filed with the Office of the Superintendent of Bankruptcy (OSB) and is a matter of public record.

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

In today’s ever changing market, the possibility of job loss for many individuals is a fact of life. It’s important to plan for unfortunate events and to know how to handle it if it does happen.

How often do creditors accept a debt settlement? How much do you have to pay to settle your debt?