Finding a solution to your debt problems doesn’t have to be difficult. Whether you want help with repaying your student loan debt or you are newly married and want to learn more about joint debt, our top blog resources can help you find answers to your questions.
Explore our 8 categories below to help you with debt:
- Student Loan Debt Help
- Tax Debt Help
- Payday Loan Debt Help
- Credit Card Debt Help
- Debt Consolidation Help
- Dealing with Creditors
- Dealing with Joint Debt
Student Loan Debt Help
More than 1 in 8 insolvencies in Canada involve student loan debt with an average balance still outstanding after many years of student loan payments of almost $14,000. Read these blog posts to help you take control of your student loan debt:
- What Can I Do If I Can’t Pay My Student Loans?
- What is the difference between repaying a student loan and a student line of credit?
- Student loans and the Bankruptcy & Insolvency Act
- Can student loans be included in a consumer proposal?
Tax Debt Help
Not surprisingly almost half of all clients we help have tax debt at the time of their filing. This can include income taxes, HST and payroll deductions or EI overpayments due to Canada Revenue Agency. Our blog posts below can show you what your options are for dealing with tax debt:
- An in-depth look at tax debt solutions
- How to overcome business tax debts
- A guide to dealing with tax debt and CRA
- What does Canada Revenue Agency want in a tax settlement?
Payday Loan Debt Help
Payday loans are often meant to be used as a temporary solution to staying on top of monthly bills, but their unreasonably high interest rates keep Canadians in a never-ending payday loan cycle. If you’re having trouble with payday loan debt, read the following blog posts to find out how to get relief:
- Payday Loan Help. What are Your Options?
- What can I do if a payday loan company is threatening to garnishee my wages?
- 8 alternatives to payday loans
Credit Card Debt Help
A very common type of unsecured debt is credit cards. While they can be convenient, unless you pay them off in full every month, their high interest rates will extend the length of time you carry this debt. If you are struggling to pay off your credit cards or you are searching for more efficient ways to do so, read our blogs below:
- What is the Best Credit Card Debt Relief Method?
- How to Pay Credit Cards – Pay More than the Minimum
- Strategies for paying down a credit card on your own
- Is it a good idea to get a credit card during bankruptcy?
Debt Consolidation Help
Getting a debt consolidation loan to solve your debt problems sounds easy, but you may not qualify for it or the cost of it may be too high. Below we have information to help you learn more about the different ways you can get debt consolidation:
- How to Get Debt Consolidation with Bad Credit
- 25 debt consolidation tips from our experts
- Should you File a 100% Consumer Proposal to Consolidate Debt?
- What can I do if my debt consolidation fails?
Dealing with Creditors
If creditors are pursuing you – calling, sending demand letters or perhaps even threatening legal action – you do have options that can help alleviate the threat. Learn about them below:
- How can I stop the collection calls?
- Wage garnishments. No need to panic.
- What should I do if creditors threaten legal action?
- Can unsecured creditors take my car for an unpaid debt?
Dealing with Joint Debt
Rules around joint debt can be complex. Whether you are newly married or facing a separation, it’s important to know your rights and obligations for managing joint debt. Our blogs below help you learn more about dealing with joint debt:
- Everything you need to know about joint debt
- Filing a consumer proposal to deal with joint debt
- Managing joint credit cards after separation or divorce
If you need help with your debts, contact us to schedule a free consultation with a Licensed Insolvency Trustee. We can review your situation and explain all your debt relief options, including bankruptcy alternatives.