Our knowledgeable team of Licensed Insolvency Trustees provide information and expert advice to help you on your way to becoming debt free. Our blog includes podcasts, videos, articles, case studies and Industry Insights about consumer proposals and bankruptcy in Ontario as well as personal finance, credit rebuilding and other money management tips for anyone looking to get out of, or stay out of, debt.
If you're planning on borrowing money, its’s important to consider how much debt you can take on. Find out more about debt-to-income ratios, warning signs of too much debt and available debt relief options.
Are you struggling with debts that stem from gambling? Find out how one of our clients was able to eliminate his gambling debts through a consumer proposal and how he successfully rebuilt his credit.
If you are considering a consumer proposal to help eliminate your debts, you want your creditors to accept the terms of the proposal. In general, consumer proposals have a 99% acceptance rate.
When you file for bankruptcy, you make monthly payments and surrender certain assets. Find out how these proceeds are distributed to your creditors to release your debts.
If you are considering filing for bankruptcy, you should be knowledgeable on the entire process. Here is our comprehensive guide on the steps to file bankruptcy in Canada.
Are you falling behind on payments and accruing unmanageable debt? Is bankruptcy looking like your next step? Before filing, find out what 5 important things you need to consider first.
It’s not uncommon for an insolvent debtor to want to go back to school. But are they eligible for OSAP during insolvency? Find out what factors make you eligible and what is required in your application.
To make good financial decisions, you need a decent understanding of financial literacy. Doug Hoyes explains a few basic concepts about credit and borrowing to help you avoid overwhelming debt.
To be discharged from a bankruptcy there are certain duties that need to be completed first, one of which may include surplus income payments. Find out what surplus income is and 5 reasons it’s important.
Smart borrowing will set you up for financial success in the future. In this simple guide we’ll explain the basics of what credit is, tips on how to manage credit and common borrowing mistakes to avoid.
Filing for a consumer proposal can be a great option for debt relief and can help you avoid bankruptcy. Explore what a consumer proposal entails and what advantages this option has over a bankruptcy.
A consumer proposal is an alternative to bankruptcy and there are huge differences in how both insolvencies options work. Doug Hoyes explains why a consumer proposal is not bankruptcy.
It can be stressful having collections agents threatening you for unpaid debts. Learn what your rights are as a debtor, how to protect yourself from creditors and what to do if actions have been taken.
Wage garnishment is one of the legal actions your creditors can take when you have unpaid debts. Find out everything you need to know about this legal proceeding and how bankruptcy can stop this.
Money Moron is a financial literacy TV show hosted by Canadian finance expert Gail Vaz-Oxlade. Doug Hoyes joins Gail for his third appearance on the series. Find out more about his experience here.
Debt Relief Experts
