Are you wondering if you should use credit counselling or a consumer proposal to get out of debt? We explain both solutions, provide a pros and cons list and fully compare both strategies.
Category: Bankruptcy Alternatives
Have you been contacted or threatened by a debt collector, and are curious about what you can do moving forward? We explore two types of debt relief options you can use and how they can protect you.
Category: Debt Relief
Choosing between bankruptcy and a debt management plan depends on more than credit score impact. This overview compares key differences, affordability, creditor protection, excluded debts, and when debt levels may make a management plan unrealistic.
Category: Dealing with Debt
Bankruptcy and credit counselling are two commonly compared options to deal with debt problems. Understand the benefits and downsides of each alternative and which would best suit your financial situation.
Category: Bankruptcy Alternatives
Are you considering credit counselling to help you manage large amounts of unpaid debt? Doug Hoyes explains affordability, alternatives and additional consequences of this type of program.
Category: Bankruptcy Alternatives
Have you fallen into the payday loan trap, and are now struggling to pay them back? Find out why credit counselling may not be the best solution to deal with payday loans and what a better option is.
Category: Bankruptcy Alternatives
Doug Hoyes reviews the business side of credit counselling, how agencies are funded by big banks and why it may not always be the best solution to get out of debt.
Category: Bankruptcy Alternatives
Not-for-profit credit counselling agencies still have to get paid, and they earn kickback fees mostly from banks. Learn 5 reasons why these agencies are now just debt collectors and why it matters to you.
Category: Bankruptcy Alternatives
