Examples of bankruptcy and consumer proposal success stories and how we helped.
We were delighted to receive this kind letter from a client, Melissa, who filed at our Guelph office. Filing for bankruptcy allowed her to achieve debt freedom and a fresh start following a long and... Read more »
Sammy (not her real name) was able to achieve her dream job. Her mother had worked as a nurse in Brantford and she had grown up always wanting to follow in her mother’s footsteps. After... Read more »
We received a heartwarming thank-you letter from a client (we’ll call her Ally to protect her privacy). Ally truly couldn’t believe that we could not only help her deal with her debt problems, but do... Read more »
With today’s economic uncertainty we are seeing more and more businesses looking for contract workers to meet their employment needs. It is good for businesses because they don’t have to pay for benefits for a... Read more »
Insolvency can happen at any stage in life. Debt has no standard face or age. This unfortunate reality was recently realized by one of our clients who I’ll call Jack to protect his privacy. Jack... Read more »
Everyone envies teachers the amount of time off they have each year, their strong benefit and pension plan and higher than average salary. With the average secondary school teacher in Ontario making around $51,000 a... Read more »
Transitioning from employee to consultant isn’t easy no matter how you get there. Some make a conscious decision to start up a business on their own, others shift into the role of consultant after a... Read more »
Many of us dream of having a challenging career, one where we are our own boss and enjoy what we do. Working for yourself can provide just those benefits, however, the potential rewards also come... Read more »
If you owe $5,000 on a credit card your minimum payment is $100. In all likelihood you can afford to pay more than that in order to reduce your balance. Owe $25,000 in credit card... Read more »
Millennials are struggling to get out on their own. Even renting is costly, but it quickly becomes unaffordable when you are carrying extra debt. Here’s how we helped one Toronto man restructure his finances through... Read more »
No matter how careful, or how many plans we make, sometimes life just doesn’t co-operate. Here is an example, based on a client we helped in Windsor Ontario who, despite her best efforts, found herself... Read more »
It his month’s case study we look at John and Ann (not their real names), an Oshawa couple who finally admitted to themselves that they couldn’t keep up with their lifestyle choices any longer. The last thing... Read more »
It’s not always common knowledge that personal bankruptcy or a consumer proposal can deal with tax debts that arise in the course of operating a small business. Here is one case study from our London... Read more »
Norma (not her real name) was struggling to get by on her pension. As often happens, she ended up using credit to help makes ends meet. Eventually she was ashamed to find that she had accumulated $12,000 in... Read more »
It may surprise you to learn that 1 in 5 bankruptcies and consumer proposals in Canada are caused by health care issues. Despite public health care like OHIP, the secondary associated costs of an illness... Read more »
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