Monthly Archives: September 2013

You’ve seen the debt settlement ads. The ones that say “we can reduce your debt by up to 70% – avoid bankruptcy”. There are two ways that companies can do this. The first is to refer you to a licensed trustee in bankruptcy to file a consumer proposal. They tell… Read more

Whether you’ve been turned down for a loan or are recovering from a bankruptcy, you may be looking for solutions to rebuild your credit. While there is no easy fix, you can, over time, repair your credit history and be able to borrow money at reasonable rates again. Before we… Read more

For quite a few years now, financial and debt advisors have been encouraging Canadians to consolidate their expensive credit card and overdraft debt into much more reasonable line of credit debt. If you are trying to pay off your debt faster, using a line of credit instead of credit card… Read more

When you are sick, you go to the doctor. If you need to see a specialist, your family doctor refers you to someone who can help you with your specific illness. But what happens when you have a debt problem?  Where do you go? Who should you talk to? In… Read more

Daniel had a good job, working at the same company for almost 20 years.  He was doing well until five years ago when both of his elderly parents got sick and he had to take a leave of absence from work to take care of them.  He was eligible for… Read more