Financial recovery requires the right tools
Home / Blog / Debt Dealing with debt can be difficult at the best of times, and it’s even more complicated and stressful in a divorce situation. If you and your spouse separate, you’ll need to divide your debts as well as your assets. How this is done will depend
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 chance you’ve been tempted by their claims. After all, who doesn’t want to save
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
Table of Contents Updated October 20, 2025 · Ontario guidance · Verified against OSB/CRA/credit‑bureau sources. This page explains how consumer proposals work for Ontario residents, including eligibility, the filing process, pros and cons, credit impact, CRA considerations, costs, and how to start with a Licensed Insolvency Trustee. What is a consumer proposal?
Home / Blog / Financial, Savings The average Canadian family has both spouses working outside the home. We live in a culture that encourages a high standard of living, often unachievable by a single salary. But whether your significant other experiences a job loss, sickness, or just wants to put
Live within your limits Our culture encourages us to push the limits physically, emotionally and financially. The demands of a typical lifestyle can challenge even the best salary. But what do you do when the pace gets too hectic and the money gets too tight? When the fear of missing
