Our knowledgeable team of Licensed Insolvency Trustees provide information and expert advice to help you on your way to becoming debt free. Our extensive debt help resource centre includes articles, videos, and podcasts on how to get out of debt including commonly asked questions about consumer proposals, bankruptcy, and debt consolidation options. Become informed about credit rebuilding and other money management tips as you search for a solution to your debt problems.
Are you having some sort of a moral dilemma because you want to file for insolvency to create a fresh financial start for yourself? Find out 5 reasons why bankruptcy is not morally wrong.
Category: Viewpoints
Are you trying to find a trustworthy financial planner in Ontario? Find out how to find a credible planner, the income you need to work with them, and if you should use investments to pay down debt.
Category: Money Management
Fall behind three payments and your consumer proposal will be annulled by law. If this has happened to you, find out if it’s possible to revive an annulled proposal and exactly how to do it.
Category: Consumer Proposals
What is the significance of a good credit score? Is having a low score really bad? Our experts explain credit scores, when a poor score may be okay and the downfalls of credit repair companies.
Category: Credit Repair
Credit reports carry a lot of information about the money you borrow, how you make payments and even some personal information. Find out what's on your report and how to read a typical credit report.
Category: Credit Repair
Are you curious about the advantages and disadvantages of filing for insolvency in Canada? We provide you with the most notable pros and cons of bankruptcy, to help you navigate debt relief.
Category: Bankruptcy Basics
A consumer proposal deals with unsecured debts, not secured debts like a mortgage. If that's the case, find out how filing a consumer proposal affects your home equity, an existing or even qualifying for a future mortgage?
Category: Assets & Property
You have debt and poor credit. Can you get a debt consolidation loan and how much will this cost? We explain the consequences of a bad credit consolidation loan and give you options.
Category: Loans & Borrowing
Females have unique challenges to manage when it comes to debt payments and accruing debt. Find out why women are more likely to become insolvent and how to protect yourself from different forms of debt.
Category: Bankruptcy Basics
Have you recently completed a consumer proposal or bankruptcy, and are trying to rent a new place? We provide resources for stable and affordable units and what to do if you have a bad credit score.
Category: Money Management
Are you dealing with overwhelming debt and want to know more about your debt relief options? Learn about how to find a licensed debt expert to guide you, as well as costs, legalities, risks and more.
Category: Debt Relief
Will a consumer proposal deal with your particular debts? Find out how student loans, credit cards, business debts and more are treated in a proposal, and if it’s right for your financial situation.
Category: Consumer Proposals
Learning how to successfully avoid debt is an important step towards having a financially stable life. We asked our team of experts for their input and they came up with 52 easy-to-use tips for avoiding debt!
Category: Dealing with Debt
Is someone you love asking you for a loan? How can you tell if you are financially stable enough to help them or not? Doug Hoyes explores this topic and provides a real-life story from a client.
Category: Loans & Borrowing
Has a collector threatened you with wage garnishment, and you’re unsure of what it means? We’ll explain what kind of income and how much can be garnished, as well as what you can do to stop this action.
Category: Creditor Actions
Bankruptcy law does not protect RDSPs but the courts have ruled that they are exempt assets. Learn what this means for your registered disability savings and your bankruptcy.
Category: Assets & Property
Are you or someone you know filing bankruptcy and they have a share in a family cottage? Learn about how shared real estate is dealt with in a bankruptcy and other options you may have.
Category: Assets & Property
Are you in your 20s, struggling with debt, and wondering if you should file for bankruptcy? Explore 3 important aspects you need to consider and how to ‘run the numbers’ before moving forward with this choice.
Category: Bankruptcy Basics
You may know your car lender has a right to repossess your vehicle if you don't make payments, but can other lenders (like a payday lender) make a claim on your car? We explain when this can happen & what to do.
Category: Creditor Actions
Lenders might offer you more money to deal with your cash crunch, or to consolidation high interest loans like credit cards and payday loans. We explain when getting a new loan is a bad debt management option.
Category: Loans & Borrowing
Do you have a loved one asking you for financial support? Learn about three personal stories from our clients, questions to ask yourself before lending money, and other ways you can help them out.
Category: Dealing with Debt
