Debt Relief Experts
Guide to Ontario Debt Collection Laws
Has a debt collection agent called, and left you confused about what your rights were in the situation? This guide explains Ontario’s debt collection laws and how to deal with these agencies.
Law
When is a Consumer Proposal Legally Binding on your Creditors?
Are you considering filing for a consumer proposal and are curious about what makes the contract legal? We’ll show you what makes a proposal legally binding and what say your creditors have in the process.
Should Pensions Be Protected in a Corporate Bankruptcy?
Are you wondering what happens to your pension if the company you work for goes bankrupt? Doug Hoyes offers his professional insights on the corporate bankruptcy process with regards to pensions.
Can a Collection Agency Sue You in Canada?
Are you worried a collection agency will act on their threat and sue you? Doug Hoyes explores how debt collectors obtain files, when they can take you to court and what to do if you have a judgement against you.
Bankruptcy vs Insolvency. What’s the Difference and Does it Matter?
Being in debt does not mean you need, or are eligible to file bankruptcy. We look at what it means to be insolvent, a requirement to declare bankruptcy in Canada.
How Bankruptcy Works for Debtors and Creditors in Canada
Curious how bankruptcy works? Our detailed guide explains what happens when you file, how it affects your debts and assets, as well as what you need to do to declare bankruptcy.
Top 6 Bankruptcy Law Rules in The Bankruptcy and Insolvency Act
Did you know that bankruptcy is a legal and regulated process governed by federal legislation? Here is our easy-to-understand guide on the Bankruptcy and Insolvency Act, including 6 rules you need to know.
Student Loans and the 7 Year Rule
Student loans have special treatment in a bankruptcy or consumer proposal. We explain the 7-year rule, what it means for your student loan to be discharged and review a case file from one of our clients.
Power of Attorney: Can I Deal With My Parents’ Debts?
Are you wondering how to go about helping your parents deal with their debts? In this blog, we explain what a power of attorney is, how they can help manage other’s finances, and explore two client stories.
Ontario Limitations Act and Old Debts
If you ignore a few old debts for long enough will they disappear? Doug Hoyes explains what an old debt is, how they are dealt with and which are excluded from the limitation period.
Canadian Privacy Laws and Debt Collection
We explain privacy laws and your rights when it comes to collection agents, how you can protect your personal information and what to do if it’s disclosed wrongly.
Ontario Bankruptcy Exemption Law Changes Protect Home Equity
Provincial legislation on how home equity is treated in a bankruptcy or proposal differs by province. We explain how much equity is exempt or protected from seizure, and when, under Ontario's Execution Act.
407 ETR Debt Collection and the Limitation Period
What are the consequences of having unpaid 407 ETR debts when you aren’t planning on filing for insolvency? Find out the collection methods the 407 can use under the Limitations Act.
What Bankruptcy Protection Does The Bankruptcy & Insolvency Act Provide?
A prime reason to file for bankruptcy is to receive protection from creditor actions. We explain how bankruptcy protection works in terms of unsecured and secured creditors.
Does Debt Survive Death?
In the event that someone dies, who is responsible for the debt the individual had? In this blog we answer common questions as they relate to debts after death and who may be responsible for them.