It’s difficult to predict the future. But it’s particularly difficult to predict your financial future. After all, who has a crystal ball to tell them what the future holds? What if your car breaks down and it needs major repairs? What if you get laid off or lose your job? What if you become ill and are unable to work? There’s a lot of “what if” scenarios out there.

Everyone can relate to feelings of depression and hopelessness at various points in their lives. Chronic or fleeting, these emotions may result from a sudden unexpected event such as a job loss, illness, or relationship breakdown — or build up more gradually.

Every day we receive dozens of questions on our website, on social media, and during Free Confidential Consultations wondering how to overcome or alleviate debt without filing a Bankruptcy or Consumer Proposal.

Are you a millennial? This generation is quickly rising to dominance in Canada, representing a highly influential age range of 25 to 40 years and comprising more than a quarter of the population.

Being the parent of a teenager who wants everything all the time can be quite concerning for two reasons: One is the immediate drain on your own finances as you try to keep pace with their current desires. Second is the fear they may be in for a rude awakening as they transition to living on their own in the years ahead.

When dealing with debt, the consumer is often faced with unfamiliar terms, such as “secured debt,” and “unsecured debt.” Debt is debt, right? Well, not quite!

Many people are concerned about their credit rating. After all, this may determine whether you qualify for a mortgage or a car loan — and possibly even whether you get the apartment you’ve applied to lease.

The warning signs of personal financial trouble are everywhere. Knowing what they are and how to recognize them can be the difference between quickly recovering from one or two bad months and being trapped in a months or years-long battle with debt.

Is it difficult to declare bankruptcy? The short answer is… no. However, there are a few things you should know before you consider bankruptcy as a debt management resource.

Children and teenagers need better financial literacy training. That is a point everyone can agree on. Consensus is lacking, however, around just who should be providing it.