Home / Blog / Credit One of the sad facts of life is that very few people are actually taught how to manage their finances. Worse, many people think of money as being a private matter and won’t discuss it even when they know they need help. Small wonder then,

/*! elementor – v3.10.2 – 29-01-2023 */ .elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px} Home / Blog / Credit Companies claiming to offer debt settlement programs have sprung up all across Canada in the last few years. You’ve likely heard one of their ads on the radio…and there’s a good

/*! elementor – v3.10.2 – 29-01-2023 */ .elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px} Home / Blog / Credit Aside from offering help with money management (setting up a budget) and debt counselling (a discussion of your financial options), the main service offered by most credit counselling firms is a

Home / Blog / Credit There’s no doubt about it. Filing a consumer proposal or bankruptcy will affect your credit rating—and not necessarily in a good way. Both events will be noted on your credit report: a first bankruptcy will remain on your file for about seven years (assuming you’re

Home / Blog / Credit If you and your trustee have put together a reasonable consumer proposal, it’s likely your creditors will accept it. Why? Because proposals require that creditors be paid more through a consumer proposal than if you were to become bankrupt. Sometimes, however, one or more of your

You want to pay your bills, but lately it’s impossible even to meet the minimum payments or due dates. You also want help, but all you’re getting are hassles from creditors. What do you do? First of all, it’s difficult to negotiate with a creditor who has been ignored. Therefore,