Debt Relief Experts
Overcoming Financial Problems After Divorce
Read along as one of our client’s, Melissa, explains her story of overcoming severe financial issues following a divorce. Learn more about how she received a fresh financial start!
Success Stories
Examples of bankruptcy and consumer proposal success stories and how we helped.
Creditors Calling At Home and Work: A Brantford Case Study
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 »
Back on Track, and Without Upfront Fees
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 »
Contract Worker Deals With Unpaid Tax Debt Through Consumer Proposal
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 »
Retired Widower Uses Credit to Cope With Grief
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 »
Teacher Loves Teaching Just Not Her Student Debt
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 »
From Employee to Consultant Leads to Personal Debts
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 »
Self-Employment and Illness Create Challenging Debt Problem
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 »
Tired of Making Credit Card Payments and Getting Nowhere
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 »
A Consumer Debt Proposal Makes Rent Affordable Again
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 »
Avoid Bankruptcy For The Second Time: A Consumer Proposal Story
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 »
Maxed Out Credit – Oshawa Couple Looks For Help
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 »
Overcoming Business Tax Debts: Case Study
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 »
Whitby Senior Happy To Avoid Bankruptcy
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 »
Illness and Injury as Contributors to Bankruptcy – A Recovery Story
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 »