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# Doyle Salewski Inc.

## Sitemaps
[XML Sitemap](https://doylesalewski.ca/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Can Creditors Garnish CPP or OAS? How a Consumer Proposal Protects You](https://doylesalewski.ca/blog/protect-cpp-oas-garnishment/): Worried about debt in retirement? Learn if creditors like the CRA can garnish your CPP or OAS. A consumer proposal can stop collections & protect your pension income.
- [Income Tax Debt in a Bankruptcy or Consumer Proposal](https://doylesalewski.ca/blog/income-tax-debt-bankruptcy-consumer-proposal/): Income tax debt can be discharged through bankruptcy or a consumer proposal — as long as certain conditions are met.
- [March Break Madness: 4 Ways to Have Fun and Save Money!](https://doylesalewski.ca/blog/march-break-madness-4-ways-fun-save-money/): March Break is an annual event that can cause you a lot of stress. If you and your partner both work. you need to find childcare options for your kids. If you can get time off, then you’ve got to come up with activities to entertain the family.
- [Tips for Tax Season (Covid Edition)](https://doylesalewski.ca/blog/tips-for-tax-season-covid-edition-2/): Taxable Covid Relief Benefits:
- [Money habits of happy couples](https://doylesalewski.ca/blog/money-habit-of-happy-couples/): It will come as no surprise to you that money is one of the top causes of divorces, so what good money habits can you learn to help your relationship last?  
- [Our Year In Review 2020](https://doylesalewski.ca/blog/2020-year-in-review/): We made it! 12 months. 53 weeks. 366 days. 8784 hours, but who’s counting. We survived the chaotic year that none of us could have predicted. We all know what didn’t happen this year, but what did? Although it was only 366 days, the past year was momentous in many ways. A new office, some new faces, and many hours making sure we could serve you safely – 2020 was a year to remember.
- [How to not go into debt this Christmas?](https://doylesalewski.ca/blog/christmas-budget-tips/): It’s beginning to cost a lot like Christmas! While it is lovely to give and receive gifts, it can put a strain on anyone’s budget, especially this year. At the same time, it’s getting late to save for Christmas. You can avoid the holiday spending hangover with some strategic planning; here are six great ways to avoid adding to your debt this Christmas.
- [Credit Score Myths](https://doylesalewski.ca/blog/credit-report-and-score-myths/): Credit reports, credit scores, and everything associated with them can become overwhelming when figuring out fact and fiction. I can guarantee that my father still thinks some credit myths are facts because his father told him and so forth. Some are just so ingrained into us that it can be hard to know what is fact or fiction. 
- [November Financial Literacy Books To Read](https://doylesalewski.ca/blog/november-financial-literacy-books-to-read/): November is Financial literacy month; to celebrate, we will be sharing our best financial book recommendations to get the ball rolling. We know what you’re thinking financial books on the must-read list, aren’t they boring? No way! Financial books don’t have to be dull. There are lovely page-turners on personal finance that will not only motivate and inspire but educate as well. Add these books to your must-read for the rest of the year.
- [New Covid Benefits Explained](https://doylesalewski.ca/blog/new-covid-benefits-explained/): 2020 has been a financial rollercoaster; with the ongoing global pandemic caused by COVID-19, Canadians have been affected in numerous ways. The most notable impact is how it has affected the financial circumstances of many Canadians. With growing unemployment rates, the Canadian government provided the Canadian Emergency Response Benefits (CERB) to support the employed and self-employed Canadians impacted by the pandemic. 
- [Everything you need to know about OSAP and SLOC](https://doylesalewski.ca/blog/everything-you-need-to-know-about-osap-and-sloc/): The least exciting thing about going off to post-secondary is planning how you are going to pay for it. While there are many options out there to pay for post-secondary, the most popular ways are either OSAP or a Student Line of Credit. OSAP....
- [How not to go broke planning a wedding?](https://doylesalewski.ca/blog/how-not-to-go-broke-planning-a-wedding/): Pop that champagne, you’re getting married! Congratulations on your engagement! After announcing the big news to friends and family, it’s time to start planning for your big day. That means creating a wedding budget and putting those plans into action. It's no secret...
- [Back to School Savings Tips](https://doylesalewski.ca/blog/back-to-school-saving-tips/): Back to school time is usually a stressful yet exciting time for parents and children alike, filled with new school supplies for the hopeful new school year. This year is beginning to look a little different with many schools switching to online learning for the foreseeable...
- [How to budget for Post Secondary Education](https://doylesalewski.ca/blog/how-to-budget-for-post-secondary-education/): Figuring out your finances for post-secondary can be an extremely stressful time for many students due to the costs of tuition. For many students this will be their first time on their own so having a budget tailored to them can cut stress and overspending, while also....
- [Let’s talk about budgeting](https://doylesalewski.ca/blog/lets-talk-about-budgeting/): Let’s talk about budgeting, more so how to budget during a recession. I know what you’re thinking: budgeting and recession are two dirty words we don’t want to think about, but now more than ever we need to face them.
- [Fear of Missing Out (FOMO) and Debt](https://doylesalewski.ca/blog/fear-of-missing-out-fomo-and-debt/): The fear of missing out (FOMO) is massive now. A new Credit Karma survey of 1,050 Canadians aged 19-39 shows half of young adults have spent money they didn't have and gone into debt in order to keep up with their peers.
- [Holiday activities that cost (almost) nothing](https://doylesalewski.ca/blog/holiday-activities-that-cost-almost-nothing/): This Monday is a Civic Holiday in Ontario, which means for most an extra day to relax and a four-day week ahead of us. While this should be something to look forward to, it can be a cause of stress to some as they plan ways to spend it. Occasionally this leads to planning larger than life weekends that cost more than we want to, and in the end making them less enjoyable as the stress of the cost sets in.
- [Ottawa Summer Staycation](https://doylesalewski.ca/blog/ottawa-summer-staycation/): Summer is here in full blast with heat waves and summer sun! But with Covid-19, summer travels aren’t happening this year. So, to beat those stay at home blues we have created the best Ottawa staycation guide to fun, sun and social distance activities.
- [Financial wellness and what it really looks like](https://doylesalewski.ca/blog/financial-wellness-and-what-it-really-looks-like/): In this era of practicing self care it seems we often forget how important financial self care really is. I don’t mean in the sense of treating yourself to something material, but the stress relief associated with beginning to understand your finances. The same way that self care is different from person to person, financial wellness looks different to everyone.
- [Talking Finances with Family](https://doylesalewski.ca/blog/talking-finances-with-family/): Money and stress go hand in hand and there are countless statistics to prove it. So why is talking about money with family and loved ones such a taboo topic? Today (and every day) we are going to bridge that gap so talking about money becomes a normal and healthy topic for the whole family.
- [The tax deadline is quickly approaching](https://doylesalewski.ca/blog/the-tax-deadline-is-quickly-approaching/): The tax deadline is quickly approaching, which if you didn’t know, is June 1st, (how are we almost in June?!) which is why we decided to put together our best tax tips for getting them done with ease along with free software to make the job that much easier.
- [COVID-19 in Canada How to Manage Your Finances in Uncertain Times](https://doylesalewski.ca/blog/covid-19-in-canada-how-to-manage-your-finances-in-uncertain-times/): Many Canadians are facing uncertainty as the effects of the COVID-19 pandemic changes our ability to work, pay our bills, keep a roof over our heads and put food on the table. As businesses are forced to shut their doors, many employees are being laid off leaving households with little to no income, wondering how they will be able to manage their debt payments.
- [Plan a Wedding on a Budget: 7 things to Consider, plus 18 ways to save!](https://doylesalewski.ca/blog/plan-a-wedding-on-a-budget-7-things-to-consider-plus-18-ways-to-save/): According to TheKnot.com, the average couple spends $29,450 on their wedding. Even attending a wedding typically costs $888 while members of the wedding party can expect to pay well over $1000 to be a part of the big day. Given the high cost of the celebrations, it’s easy to see how many people go into debt for their wedding.
- [How to Deal with the Christmas Spending Hangover](https://doylesalewski.ca/blog/how-to-deal-with-the-christmas-spending-hangover/): If you’re like most Canadians, Christmas is a time for spending. In addition to gifts, there’s travel, holiday parties, Christmas baking, and other expenses that seem to creep up seemingly out of nowhere. Most people don’t have a budget for the holidays, and for those that do it’s easy to go overspend. Even if you are prepared with a budget, unexpected expenses or emergencies during the holidays can be costly.
- [12 Ways to Save on Back to School Shopping](https://doylesalewski.ca/blog/12-ways-to-save-on-back-to-school-shopping/): It may come as a shock that Canadian families spend more on back to school than Christmas. An Angus Reid poll of more than 1,400 Canadians shows that 76% of moms say that back to school shopping puts a strain on finances, and 40% say it will take months to pay off the bill.
- [How to Deal with Tax Debt](https://doylesalewski.ca/blog/how-to-deal-with-tax-debt/): If you’re feeling overwhelmed by outstanding tax debts, you aren’t alone. In 2018, Canadians owed $43.8 billion in outstanding tax debt to the Canada Revenue Agency. The CRA has been working hard to collect the debt from Canadians, and the CRA’S ability to seize bank accounts, garnish wages, and put liens on property without going through the courts means many consumers are putting themselves at risk.
- [5 Reasons Why You are In Debt](https://doylesalewski.ca/blog/5-reasons-why-you-are-in-debt/): It is July 31, 2019 and today the United States Federal Reserve dropped the US interest rate by .25%. To quote financial guru Gerald Celente: “Across the globe, central banks are pushing interest rates lower and governments are going deeper in debt as they shovel in more artificial stimulus to pump up equity markets and stave off the pending economic meltdown.” This is the first interest rate reduction in several years notwithstanding several increases by the Fed in interest rates recently in an effort to prepare its war chest for the next recession which appears imminent.
- [Tips on Pension Garnishment for Seniors in Debt](https://doylesalewski.ca/blog/tips-on-pension-garnishment-for-seniors-in-debt/): If you’re a senior in debt, you’re not alone. According to a survey, the average Canadian senior carried $29,973 in debt and 30% of Canadians aged 55-70 were still working because they needed to. The Financial Planning Standards Council Foundation found that while 56% of Canadians had debt; 35% of respondents were Canadians 80 or older.
- [What You Need To Know About Home Equity Lines of Credit (HELOC)](https://doylesalewski.ca/blog/what-you-need-to-know-about-home-equity-lines-of-credit-heloc/): A home equity line of credit (HELOC) has become a popular way for Canadian consumers to access additional credit at a low interest rate; but with fluctuating real estate markets they can be a riskier option than people realize. Flexible repayment plans and high credit limits make home equity a useful tool for repaying debt or investing in home renovations; but changing housing prices and rising interest rates have pushed some consumers further into debt, and even to bankruptcy.
- [Quebec Residents Hit With Credit Card Minimum Payment Hike](https://doylesalewski.ca/blog/quebec-residents-hit-with-credit-card-minimum-payment-hike/): Mandatory Minimum Credit Card Payments in Quebec Are Going Up! Could this also happen in other provinces?
- [Why You Should Be Concerned About Not-For-Profit Credit Counselling](https://doylesalewski.ca/blog/why-you-should-be-concerned-about-not-for-profit-credit-counselling/): As an organization dedicated to helping people, we often refer clients to a solution that may be outside of the services of Doyle Salewski. For a number of years, we’ve worked with not-for-profit credit counsellors and/or registered charities in partnership as part of our shared commitment to offering clients the best option for debt relief. In fact, Doyle Salewski has donated money to some of these organizations under the premise that our funds were being used to help people in our community seeking debt relief.
- [Should I Withdraw From My RRSP to Pay Off Debt?](https://doylesalewski.ca/blog/should-i-withdraw-from-my-rrsp-to-pay-off-debt/): More Canadians are withdrawing from their RRSP’s to pay down their debts, but could they be saving more money?
- [Money Issues in Marriage](https://doylesalewski.ca/blog/money-issues-in-marriage/): After 20 years of helping people address their financial difficulties, we’ve seen a significant number of clients that have experienced marital breakup over money issues. While they may make the promise “for richer or for poorer”, finances are one of the top reasons couples seek marital counseling or divorce.
- [Debt and Divorce – How To Handle It](https://doylesalewski.ca/blog/debt-and-divorce/): Finances have a huge impact on relationships and our findings show that debt stress can lead to a marital breakdown. Unfortunately, divorce is often costly in itself, and causes more conflict as assets, debts, and finances need to be separated. Aside from the direct impact to finances, the separation of households becomes expensive with moving costs, new living arrangements, furnishings, and establishing separate lives. Then there is the potential of excessive legal costs associated with processing the finalization of the divorce, which could increase the debt load for both spouses substantially.
- [How Short Term Loans Become Long Term Debt](https://doylesalewski.ca/blog/how-short-term-loans-become-long-term-debt/): If you’re in need of extra cash quickly it can be easy to make the mistake of falling into a debt trap offered by predatory lenders. Advertisements promise an attractive solution for those with bad credit, but these loans often end up costing thousands of dollars in fees and interest.
- [Summer Fun in Ottawa – On A Budget](https://doylesalewski.ca/blog/summer-fun-in-ottawa-on-a-budget/): One of the best parts of the insolvency process is that it is designed to allow clients to continue to live their lives. Clients track their spending every month, which allows them to adjust their budget and re-evaluate their financial choices. Entertainment is included as part of the budget and it’s a great place to reduce spending; if you put the effort in there are many ways to enjoy your time for free or at a low cost.
- [How to Set Financial Goals You Will Achieve](https://doylesalewski.ca/blog/how-to-set-financial-goals-you-will-achieve/): If you’re new to managing money or if you haven’t mastered it yet then budgeting may be intimidating. At the same time, it can be the one thing you do that ensures accomplish the many goals you may have including staying out of debt.
- [6 Questions About Debt Relief Answered](https://doylesalewski.ca/blog/6-questions-about-debt-relief-answered-2/): After over 20 years helping people achieve a fresh start through a consumer proposal or a bankruptcy, we’ve found that most people wish they had called us sooner, so why don’t they? The truth is that many people are embarrassed to admit they are not in control of their finances and are fearful or embarrassed to ask for help. Likely they also may hold many misconceptions about what is involved in a formal insolvency proceeding.
- [6 Questions About Debt Relief Answered](https://doylesalewski.ca/blog/6-questions-about-debt-relief-answered/): After over 20 years helping people achieve a fresh start through a consumer proposal or a bankruptcy, we’ve found that most people wish they had called us sooner, so why don’t they? The truth is that many people are embarrassed to admit they are not in control of their finances and are fearful or embarrassed to ask for help.
- [7 Things You Should Know Before Getting a Credit Card](https://doylesalewski.ca/blog/7-things-you-should-know-before-getting-a-credit-card/): Apple and Sephora recently announced they will begin issuing credit cards later this year and are offering users attractive rewards programs. Apple has said the new credit card will have no late fees, no annual fees and no international fees in addition to a points-based reward system for transactions. Sephora has yet to announce the specifics of their credit card terms, but it’s being sold as “taking (Sephora’s) client experience to the next level through special access, rewards and perks”.
- [What You Need to Know Before Taking Out a Payday Loan](https://doylesalewski.ca/blog/what-you-need-to-know-before-taking-out-a-payday-loan/): 46% of Canadians are $200 away from not being able to pay their bills, according to a recent segment by Global News. Additionally, 31% do not make enough money to cover their monthly bills and debt payments.
- [7 Quick Tips for Taxes in Canada](https://doylesalewski.ca/blog/7-things-you-need-to-know-about-canadian-taxes/): Taxes are the largest bill Canadians pay each year and it’s not uncommon for people to become overwhelmed with filing their claims to Canada Revenue Agency (CRA). In 2017, the Financial Post reported Canadians being taxed at a rate of 42.5% of their income meaning Canadians spend more on all taxes than any other household expense, taxes both visible and hidden that we pay throughout the year to federal, provincial and municipal governments including sales taxes, property taxes, fuel taxes, carbon taxes, import taxes, alcohol taxes and much more. All these taxes add up and make our overall tax bill expensive. This means that come income tax time, every deduction counts.
- [Your Credit Report and Credit Score Explained](https://doylesalewski.ca/blog/your-credit-report-and-credit-score-explained/): Everyone has one – a credit report, and a resulting score. From the time a Canadian consumer turns 18, credit becomes a very important number that has a huge effect on their life. You need credit for leases like homes or vehicles, or to apply for a mortgage. While this number is an important part of major life milestones, it’s often not well understood.
- [Doyle Salewski Supports Local Military Families with Donation to Petawawa Military Family Resource Centre](https://doylesalewski.ca/blog/doyle-salewski-supports-local-military-families-with-donation-to-petawawa-military-family-resource-centre/): Ottawa, Ontario, February 26, 2019 – Doyle Salewski, a leading provider of financial consulting and restructuring services in Eastern Ontario and Western Québec, believes strongly in supporting the communities it serves. As credit counsellors and licensed insolvency trustee, the staff at Doyle Salewski understand that financial difficulties and debt stress affect people from all walks of life. In addition to helping people professionally, Doyle Salewski has made a substantial number of donations to local Ottawa charities over its 22-year history.
- [Avoiding the January credit hangover: tips to curb Holiday spending](https://doylesalewski.ca/blog/avoiding-january-credit-hangover-tips-curb-holiday-spending/): Time seems to fly at this time of year. One minute we are raking leaves, taking fall hikes, and enjoying the warm sun on our face and the next we are putting snow tires on the car, breaking out the toques, boots and warm sweaters and shoveling snow. The transition to winter brings a whole new set of tasks with less day light available to get them done.  And we know that Christmas is right around the corner.
- [Can I file for bankruptcy in Canada if I’m living abroad?](https://doylesalewski.ca/blog/can-file-bankruptcy-canada-im-living-abroad/): Financial troubles don’t end at borders—or even oceans. If you’re a Canadian citizen no longer living in the country, and you still have debts in Canada that you are unable to pay, you may be wondering whether or not you can file for bankruptcy. The answer is that it depends, but the rules are actually pretty straightforward.
- [Get out of debt with help from a Licenced Insolvency Trustee](https://doylesalewski.ca/blog/get-debt-help-licenced-insolvency-trustee/): Falling into debt is more common than you’d think. According to the CBC, the average Canadian owes $22,000 in non-mortgage debt. What’s more, Canadians, on average, owe $1.67 for every dollar of income.
- [Dealing with income tax debt](https://doylesalewski.ca/blog/dealing-with-income-tax-debt/): Question:  It’s spring across Canada which also means it’s tax season.  A deep “sigh” may be your initial response.  You may be in the process of filing your tax returns or you may have already filed and received your 2016 tax assessment and refund.  You are ahead of the curve, good start!  Many have a balance owing from prior years and now have taxes owed for this year. If you can’t afford to pay the outstanding income taxes, read on to find out what your options are.
- [Why did CRA register a lien on my home?](https://doylesalewski.ca/blog/why-did-cra-register-lien-home/): Arguably, April is not the happiest time of the year. Plenty of grey rainy days combined with the fact that the deadline for filing our 2016 tax returns is looming large. Some may still owe personal income tax from prior years or perhaps haven’t filed them yet because they know they likely owe more taxes. You may have stopped opening mail from the Canada Revenue Agency (CRA) some time ago. Now you’ve heard they can register a lien on your home but what does that mean?
- [Should I cash in my RRSPs to pay my debts?](https://doylesalewski.ca/blog/cash-rrsps-pay-debts/): A survey conducted by a major bank concluded that almost 40% of Canadians admit they’ve cashed in part of their Registered Retirement Savings Plan (RRSP) well before retirement.  Many feel they don’t have a choice.  Most aren’t using their RRSPs to take trips, buy cars or renovate their homes.  The money earmarked for retirement is being used to pay bills, assist children, service debts, pay income tax arrears and just staying afloat.  This does not bode well for these future retirees.
- [I’ve heard about a debt consolidation solution that only a Licensed Insolvency Trustee can help me file called a Consumer Proposal. How do I go about doing that?](https://doylesalewski.ca/blog/ive-heard-debt-consolidation-solution-licensed-insolvency-trustee-can-help-file-called-consumer-proposal-go/): Like many people, you’ve been doing research on the Internet or perhaps asking family and friends for advice.  You’ve decided that a consumer proposal might be the best way to deal with your debt stress and get you back on your feet financially. Good for you! The decision to take action and deal with excessive debt is difficult to make but the benefits are without a doubt worth the effort.
- [What is a consumer proposal?](https://doylesalewski.ca/blog/filing-a-consumer-proposal/): “I know I can file a bankruptcy with a Licensed Insolvency Trustee (“LIT”) but I don’t like that option. I’ve heard about a sort of consolidation an LIT can also help me file called a consumer proposal. What is that exactly?”
- [What happens when I call Doyle Salewski to ask for help?](https://doylesalewski.ca/blog/happens-call-doyle-salewski-ask-help/): One of the most difficult things we have to do in life is ask for help.  Offering help comes to most of us naturally but asking for help, not so much. Many are willing and some able to tough it out and get through rough patches in life.  Figure things out on their own.  Lean on some friends or family for support and advice. Search the internet for solutions based on initial “symptoms” we uncover. These tactics can be valuable to a point.  When the problem becomes serious and we are not able to self-medicate, it’s best to turn to a professional for help.
- [5 tips to improve how to manage your money in 2017](https://doylesalewski.ca/blog/5-tips-improve-manage-money-2017/): The time for making resolutions for 2017 has come and gone. Many have signed up for gym memberships, made commitments to eat healthier and get various aspects of their lives in order.  We often forget or avoid dealing with financial goals because money is a delicate topic. Although it influences just about every aspect of our daily lives, we often ignore our finances until it’s too late.  Sometimes, we just don’t know where to start.
- [What would you do if your only source of income was cutoff?](https://doylesalewski.ca/blog/source-income-cutoff/): It’s been well documented that more than 100,000 public servants were either over paid, under paid or not paid at all since the federal government decided to migrate to a new payroll system last winter.  While some of the problems have been worked out, thousands of families are still in limbo and many are struggling to keep up with their bill payments and expenses.  Many are taking on debt they cannot afford just to make ends meet.
- [November is financial literacy month. Where do you turn for financial advice when you need it?](https://doylesalewski.ca/blog/november-financial-literacy-month/): Before we enter pre-school, most of us were taught how to count to 10 using our fingers.  This basic arithmetic is the basis for more difficult and complex mathematics down the road.  With these skills, we can make sure we receive the correct change at the store, calculate how much something would cost when it was on sale at “40% off” or how much total interest we will pay on a loan before it’s paid in full.  Some talented individuals will move on to careers that require knowledge of calculus, physics or even rocket science.
- [Are the new mortgage rules requiring a “stress test” a good idea?](https://doylesalewski.ca/blog/new-mortgage-rules-requiring-stress-test-good-idea/): The Federal government announced new mortgage rules in October for buyers making a down payment of less than 20% of the property purchase price.  These are known as “high-ratio” mortgages.  Simply put, these mortgages are riskier for both the lender and borrower if things go sideways.  Buyers with high-ratio mortgages are required to pay an insurance premium to the Canada Mortgage and Housing Corporation to cover any potential losses incurred by the lender should the borrower default down the road.
- [The solution for excessive debt: don’t bury your head in the sand](https://doylesalewski.ca/blog/solution-excessive-debt-dont-bury-head-sand/): Embarrassment. That is the most common emotion that keeps someone carrying too much debt from asking for help. Granted,we can’t repress how we feel but at what cost?
- [Did you know 26 Million Canadians carry some form of debt.](https://doylesalewski.ca/blog/know-26-million-canadians-carry-form-debt/): Transunion reported earlier this month that that 26 million Canadians have some form of debt.  That’s more than 70% of the entire population (including all children who can’t even contract debt!).  Transunion also estimates that bankruptcies would more than double if interest rates increased by 1% point.  In other words, for many, the sky is falling although they may not know it.  How does this affect you? Are you going to be ok?
- [Should I consider getting a debt consolidation loan to pay my credit card debt](https://doylesalewski.ca/blog/consider-getting-debt-consolidation-loan-pay-credit-card-debt/): I have been carrying credit card debt for some time now. For the most part, I make the minimum payments on time every month and pay more if I can afford to. The problem is that interest eats up most of my payments and the balance keeps going up. Should I consider getting a debt consolidation loan to pay the cards off and start from scratch?
- [What will happen to my business if I file a consumer proposal?](https://doylesalewski.ca/blog/will-happen-business-file-consumer-proposal/): In past columns, we’ve discussed several cases where consumer proposals are a practical way to offer a fair settlement to creditors. If you are a business owner, you may be wondering what will happen to your business if you decide to file a consumer proposal. Will you lose your business?
- [Who will listen to me if I have questions about excessive debt](https://doylesalewski.ca/blog/will-listen-questions-excessive-debt/): The 2016 Summer Olympics just ended. The overwhelming theme heard during Olympic athlete interviews s is that they could not have reached this level of competition without the support of family, friends and world class coaching. The support is even more important in moments when they failed, were injured or did not meet expectations.
- [Financing your next car: what can you afford?](https://doylesalewski.ca/blog/financing-next-car-can-afford/): Everyone needs a car. That’s what the car manufacturers and dealers would like us to believe. Truth is, there are more people getting along just fine without one. However, many rely on their own vehicle to get to work, run errands or travel to visit family and friends. The tricky part is figuring out how much vehicle to buy. New? Used? Lease? Finance? Make? Model? Color? The options can make your head spin.
- [Why should everyone have access to a debt reduction calculator?](https://doylesalewski.ca/blog/everyone-access-debt-reduction-calculator/): Debt reduction: a recent survey conducted by a major Canadian bank found that to be the #1 priority for the vast majority of individuals. We often read reports in newspapers, magazines and online that the average Canadian is carrying too much debt in relation to income earned. Those are the findings. What are the solutions?
- [Are you a senior living with debt that you can no longer afford?](https://doylesalewski.ca/blog/senior-living-debt-can-no-longer-afford/): You are not alone. Canadian seniors are currently the fastest growing segment of individuals filing formal proposals and bankruptcies in Canada. The “golden years” are supposed to be about spending more time with family and friends and enjoying life, not working because you have debt to pay. The result is that more seniors live with debt stress than ever before.
- [Carrying debt: is it the “new normal”?](https://doylesalewski.ca/blog/carrying-debt-new-normal/): There are few things that cannot be purchased with credit. Whether it’s your morning coffee, a new pair of jeans, a night out with friends or a vacation, cash or a debit card is no longer required to fund lifestyle choices. From the moment someone turns 18, using a credit card or line of credit is the “new normal”. It’s important to build a good credit rating but using credit responsibly and managing cash flow is key. Is it ok to carry a balance on a few credit cards or a line of credit and only making minimum payments every month?
- [Beware: Debt Repair Shops](https://doylesalewski.ca/blog/beware-debt-repair-companies/): Buyer Beware. That advice has existed since the Middle Ages, a time when snake oil salesmen would travel from village to village with their carts, selling the virtues of the “miracle cure for numerous ailments, from scurvy to blindness”. The more charming they were, the easier it was to exaggerate the benefits and sell a product that in the end, could not deliver the goods. But the consumer found this out well after the snake oil salesman had left town and moved on to find the next victim. In 2016, snake oil salesmen have been replaced by a dangerous crop of scams and charmers. One of the most prolific: online debt repair shops. What is this scam and what’s at stake?
- [Canada makes history: bankruptcies are tanking!](https://doylesalewski.ca/blog/canada-makes-history-bankruptcies-tanking/): As far as economic news goes, many will agree that it’s a good thing that the number of personal bankruptcies in Canada has declined more than 19% since 2011. The Office of the Superintendent of Bankruptcy, the arm of Industry Canada that regulates insolvencies, also reports that the amount of debt declared by bankrupt consumers has dropped by 22% over this same period, from $8.6B to $7.0B. This doesn’t seem to make sense: how is this possible when we know that Canadian consumers are carrying more debt than ever and many are suffering from financial hardship?
- [Dealing with income tax debt](https://doylesalewski.ca/blog/dealing-income-tax-debt/): Overheard in a recent conversation: “I’m so glad we learned about parallelograms in high school and nothing about income tax. That’s really coming in handy during this parallelogram season”. It’s spring which means it’s also tax season. You may be in the process of filing your tax returns or maybe you are ahead of the game and have already received your 2015 tax assessment. Many have a balance owing from prior years on top of taxes owed for this year.  If you can’t afford to pay the outstanding income taxes, what are your options?
- [What is a Writ?](https://doylesalewski.ca/blog/what-is-a-writ/): In general terms, a writ is a form of written command in the name of a court or other legal authority to act, or abstain from acting, in some way. In the world of financial debt, a writ is issued by a court after a creditor gets a judgment against you for money owed.
- [How To Avoid a Tax Lien On Your Home](https://doylesalewski.ca/blog/how-to-avoid-a-tax-lien-on-your-home/): You are not in a happy place because its tax time once again. Not only do you have to get all of your information together for your 2015 tax return but in the back of your mind, you know that you still owe income taxes from prior years. You stopped opening any mail you receive from the Canada Revenue Agency (CRA) some time ago. Now you’ve heard they can register a lien your home but what does that mean?
- [Can My Pension Be Seized?](https://doylesalewski.ca/blog/can-pension-seized/): The Ontario Pensions Act protects registered pension plans from regular creditors. That means if you owe money to a credit card company, payday lender, or other unsecured creditor, they cannot garnishee your pension directly.
- [How Do I Get a Copy of My Credit Report?](https://doylesalewski.ca/blog/get-copy-credit-report/): You are probably among the 21 million or so Canadians who have credit file or report but don’t know what’s in it.
- [What is a Lien?](https://doylesalewski.ca/blog/what-is-a-lien/): A lien is the legal right, or security interest, that a creditor has in a debtor’s property. If you buy a car, for example, you usually agree to a lien with the financing company. If you don’t make your payments, then your car could be legally seized to take care of the debt.
- [What is a Judgement?](https://doylesalewski.ca/blog/what-is-a-judgement/): In general legal terms, a judgment is a decision of a court regarding the rights and liabilities of parties in a legal action or proceeding. More specifically, in the world of debt collection, it’s when a creditor obtains a judgment against you, with the court deciding, based on the evidence presented, that you owe the creditor money and that it should be repaid.
- [What are my Debt options if I am retiring soon or already retired?](https://doylesalewski.ca/blog/what-are-my-debt-options-if-i-am-retiring-soon-or-already-retired/): In retirement, your income is typically a blend of different sources, each with different rules:
- [There are more than 160 credit card options and growing](https://doylesalewski.ca/blog/there-are-more-than-160-credit-card-options-and-growing/): Question: Variety is the spice of life. That saying applies to a lot of things like food, travel, hobbies, etc. When it comes to credit cards, variety may be more like quicksand – initial choices and decisions may appear harmless at first but once you take a few misguided steps or an unplanned event sends you down the wrong path, you may quickly notice you are in trouble.  What’s the best way to navigate the new world of credit cards?
- [There’s more to an Insolvency Trustee than meets the eye](https://doylesalewski.ca/blog/theres-more-to-a-bankruptcy-trustee-than-meets-the-eye/): Question: Licensed Insolvency Trustee. That’s the new title replacing “Bankruptcy Trustee”. Why the change? First off, bankruptcy is a dirty word. People are afraid of what they think it means. The “Bankruptcy Trustee” title led to people making assumptions they shouldn’t make about what Trustee do and how they do it. Unless you have been in to see a Licensed Insolvency Trustee in the past, you likely don’t know that they offer much more than bankruptcy-related services. What is a Licensed Insolvency Trustee and what services do they offer?
- [Dig yourself out of Debt](https://doylesalewski.ca/blog/dig-yourself-out-of-debt/): Question: It’s 2016. Our culture and society encourage us to push the limits physically, emotionally and financially. The demands of a typical lifestyle can challenge even the best incomes. But what do you do when the pace gets too hectic and the money gets too tight? What do you do when the FMO (fear of missing out) lures you over the edge?
- [Doyle Salewski Inc. donates $5,000 to The Petawawa Military Family Resource Centre](https://doylesalewski.ca/blog/doyle-salewski-inc-donates-5000-petawawa-military-family-resource-centre/): Doyle Salewski Inc. is a proud member of “Canada Company” through which the donation was made. Making the firm’s annual donation is Brian Doyle, President of Doyle Salewski, along with Donna O’Keefe , Director , Doyle Salewski Inc , for the Pembroke and Petawawa areas. Donna is the proud spouse of Craig O’Keefe, Lt. Commander with the Canadian navy. Craig and his three brothers have served in excess of 108 years. Craig and two of his brothers are still active members.
- [How is a Licensed Insolvency Trustee Paid?](https://doylesalewski.ca/blog/licensed-insolvency-trustee-paid/): The costs of filing for bankruptcy are set both by the federal government and the trustee. This means that the fees you pay to a Licensed Insolvency Trustee for handling your bankruptcy will likely be the same across the country.
- [When should I seek help for my financial problems](https://doylesalewski.ca/blog/when-should-i-seek-help-for-my-financial-problems/): Here are two ways you can judge when you might need help with your finances. First, there’s the technical rule of thumb that says you’re in serious trouble when your monthly payments for debt (not including your mortgage/rent) are more than 20 percent of your income. If you don’t have the time or patience to crunch your numbers, however, there’s a simpler, more common sense approach to evaluating your situation.
- [Collection agencies: What are my rights](https://doylesalewski.ca/blog/collection-agencies-what-are-my-rights/): Mary wakes up to the phone ringing at 6 a.m. She manages a “Hello?” “Yes, Mary, I am calling again about the overdue payment on your credit card account. We need a payment by tomorrow” says the voice on the end of the line. “I don’t know what this is about, I haven’t even brushed my teeth yet!”
- [Can I pay off my consumer proposal early?](https://doylesalewski.ca/blog/can-i-pay-off-my-consumer-proposal-early/): Finances are a fluid thing subject to change for a variety of reasons—and (despite how it may seem sometimes!) not always for the worse. If you’ve filed a consumer proposal only to find that your financial situation has suddenly improved because of a pay raise, new job, or some kind of “windfall” (i.e. an inheritance, a monetary gift, the sale of an asset, or a lottery win), is there a way you can pay down your consumer proposal early? Absolutely.
- [Can I do anything to stop a creditor’s legal proceedings against me?](https://doylesalewski.ca/blog/can-anything-stop-creditors-legal-proceedings/): It’s possible that if you’re having trouble meeting your payments, a creditor may take some kind of legal action in order to collect the debt you owe. This can include handing your account over to a collection agency, having your wages garnished, or taking you to court. If any of these things have already happened, is there any way to stop them? Absolutely.
- [Can I stop a power of sale on my home by declaring bankruptcy?](https://doylesalewski.ca/blog/can-stop-power-sale-home-declaring-bankruptcy/): If you have missed paying your mortgage payments and haven’t made other arrangements with your bank, chances are pretty good that your bank’s next step will be to start power of sale proceedings against your home.
- [Can I have my bankruptcy annulled if I repay my debt in full?](https://doylesalewski.ca/blog/can-bankruptcy-annulled-repay-debt-full/): If you’re currently in bankruptcy (or you’ve already filed for it) and your financial situation suddenly changes for the better (think inheritance, lottery win, etc.), is there anything you can do to get out of bankruptcy? You’ll be pleased to know that the answer to this is yes, but it’s not quite as simple as paying what you owe and making the bankruptcy disappear—nor will your credit record suddenly be cleared.
- [Bankruptcy and Cosigned Debts](https://doylesalewski.ca/blog/bankruptcy-cosigned-debts/): Bankruptcy and consumer proposals can have an impact not just on the person declaring bankruptcy or filing a proposal, but also on anyone who may have cosigned for one of his/her debts as well.
- [How to setup a budget](https://doylesalewski.ca/blog/setup-budget/): If you’ve never used a budget before, the idea of setting one up can be a little daunting…especially if you’re already feeling a financial squeeze. Many people freeze up at the very thought, certain that if they try to put a budget in place, it will only confirm what they already suspect: there isn’t enough money coming in to cover all the money that needs to go out. And so they struggle on, lurching from one payday to the next, hoping they’ll somehow be able to make ends meet for just one more month.
- [Can a Debt Management Program Help Me?](https://doylesalewski.ca/blog/can-debt-management-program-help/): If you’re facing financial difficulties and you’re looking for solutions, you may have come across offers to help you set up a debt management program. Essentially, this is an arrangement with your creditors made on your behalf by a credit counsellor or credit consolidation company. It allows you to make smaller, more manageable payments on a monthly basis. Sounds good so far, right? Perhaps…and perhaps not.
- [What happens to my vehicle in a consumer proposal or bankruptcy?](https://doylesalewski.ca/blog/happens-vehicle-consumer-proposal-bankruptcy/): If you’re considering the possibility of filing a consumer proposal or declaring bankruptcy, you should be aware that assets such as vehicles are handled very differently in those two procedures. In a consumer proposal, if you own the vehicle free and clear, you simply keep it. If you still owe money on the vehicle, you can keep making the payments. Either way, your trustee has no interest in the vehicle. The value of the vehicle will be considered when determining an offer to your creditors.  In a bankruptcy, however, it’s a little more complicated.
- [Privacy During Bankruptcy](https://doylesalewski.ca/blog/privacy-bankruptcy/): If you’re facing the possibility of filing for bankruptcy or a consumer proposal, you may be concerned about privacy. Who will find out? Will the neighbours know? Your boss? Or (perish the thought!) your in-laws? Well, we have encouraging news for you.
- [I am filing for Consumer Proposal Or Bankruptcy, Will My Employer Find Out?](https://doylesalewski.ca/blog/will-my-employer-find-out/): If you’re facing the possibility of filing for Consumer proposal or Bankruptcy, you may be concerned about privacy issues, particularly with regard to having your employer find out about your bankruptcy.
- [What is a credit rating, and how does bankruptcy affect it?](https://doylesalewski.ca/blog/credit-rating-bankruptcy-affect/): We’ve all heard the term credit rating, and chances are pretty good that we know that our rating influences a bank’s decision whether or not to lend us money, give us a mortgage, and so on. But how many of us really understand what exactly a credit rating is, how it’s created, or how our financial situation can affect it?
- [Can I renew my mortgage if I’ve filed for bankruptcy?](https://doylesalewski.ca/blog/can-renew-mortgage-ive-filed-bankruptcy/): Home ownership is a huge concern for many people who have filed for bankruptcy, and rightfully so, because it isn’t always a simple issue. Let’s start with the basics:
- [Is There a Statute of Limitations on Debt?](https://doylesalewski.ca/blog/statute-limitations-debt/): Is There a Statute of Limitations on Debt?
- [What Happens If My Income Increases During My Bankruptcy?](https://doylesalewski.ca/blog/happens-income-increases-bankruptcy/): When you file for bankruptcy, one of your required duties will be to keep track of your monthly income and expenses during the period that you’re bankrupt. Your trustee will give you the forms for doing this, and each month, you’ll pass the information (including copies of your pay stubs and proof of any other income) along to him/her. Your trustee will then use that information to decide whether you need to make a surplus income payment to your creditors.
- [What Happens to My Assets When I Go Bankrupt?](https://doylesalewski.ca/blog/happens-assets-go-bankrupt/): If you’re facing the possibility of bankruptcy, you may be wondering what will happen to your possessions — will you lose everything you own, including your house and your car? Not necessarily.
- [What is Surplus Income?](https://doylesalewski.ca/blog/what-is-surplus-income/): When you file for bankruptcy, and depending upon your level of income, you will be required to make payments to your trustee during your bankruptcy period. When your income is over and above what the government says you need to maintain a reasonable standard of living, as set out by the Office of the Superintendent of Bankruptcy (OSB), these payments are called surplus income payments.
- [What is a tax lien, and what do I do if one is registered against my home?](https://doylesalewski.ca/blog/what-is-a-tax-lien-and-what-do-i-do-if-one-is-registered-doyle-salewski-inc/): When you owe money to Canada Revenue Agency (CRA), they (like all creditors) will try to collect that debt from you. If the debt is significant and you fail to repay it or negotiate acceptable terms, CRA has the right to place a lien on your home or other property (such as a cottage). This does not mean you will immediately lose that property, and there are steps you can take to have the lien removed.
- [What Happens to My Debts if I Divorce My Spouse?](https://doylesalewski.ca/blog/happens-debts-divorce-spouse/): 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 on how your debts are structured.
- [How to Get Out of Debt Quickly](https://doylesalewski.ca/blog/get-out-of-debt-quickly/): Your debts are piling up, you’re beginning to feel overwhelmed, and you want to turn your financial situation around. Congratulations on taking the first step! As fast as you want to make things better, however, we have to be honest with you…it’s not going to happen overnight. That’s the bad news.
- [Bankruptcy and Consumer Proposal for High Income Earners](https://doylesalewski.ca/blog/bankruptcy-consumer-proposals-high-income-earners/): Bankruptcy and Consumer Proposals for High Income Earners
- [Can one spouse file bankruptcy without damaging the other’s credit?](https://doylesalewski.ca/blog/can-one-spouse-file-bankruptcy-without-damaging-others-credit/): Whether or not you can file for bankruptcy without affecting your spouse will depend on the debts that are owed. If you’re the only one who signed for the debts, then your spouse is not responsible for them (despite what any collection agencies may have told you). He/she will not have to be involved in your bankruptcy, and his/her credit rating will not be affected.
- [Does Debt Consolidation Work?](https://doylesalewski.ca/blog/debt-consolidation-work/): A debt consolidation loan is intended to pay off your other debts so that you have a single monthly payment to make rather than many. It’s usually used in order to consolidate credit card debt. Under the right circumstances, it can be an effective way of making your financial situation more manageable. Whether or not it will work for you, however, depends on a two critical things:
- [4 Things You Should Know About Consolidating Credit Card Debt](https://doylesalewski.ca/blog/consolidating-credit-card-debt/): If you’re carrying a high number of credit card debts, you might want to consider a consolidation loan to pay off your balances. Such a loan leaves you with just one payment (the loan) instead of several (to your various credit card companies). This has the obvious bonus of reducing not just the number of payments you have to make, but the overall amount of interest that you’ll be paying as well.
- [How to Get Help with Student Loan Debt](https://doylesalewski.ca/blog/help-with-student-loan-debt/): It’s no secret that post-secondary education is expensive. No matter how many corners you try to cut, chances are pretty good that you’ll have at least some student loan debt by the time you graduate. But what if you find that you can’t repay that debt? Or that you’re having trouble doing so?
- [Alternatives to Filing for Bankruptcy](https://doylesalewski.ca/blog/alternatives-filing-to-bankruptcy/): If you find yourself overwhelmed by your debts (and perhaps even fending off calls from creditors and their collection agencies), you may think bankruptcy is your only hope of getting out of financial difficulty.  In reality, however, bankruptcy should always be your last resort—and you may have other alternatives before that.
- [What is Credit Counselling and How Can It Help?](https://doylesalewski.ca/blog/credit-counselling-can-help/): 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, that so many of us find ourselves struggling financially. But it doesn’t have to be that way.
- [How will my bankruptcy or consumer proposal affect my children’s bank accounts?](https://doylesalewski.ca/blog/how-will-my-bankruptcy-or-consumer-proposal-affect-my-childrens-bank-accounts/): If you’re facing either bankruptcy or a consumer proposal, you may be concerned about what will happen to savings set aside for your children either by you or someone else.
- [What Happens to RRSPs, RESPs & Pension Plans in Bankruptcy or a Consumer Proposal?](https://doylesalewski.ca/blog/happens-rrsps-resps-pension-plans-bankruptcy-consumer-proposal/): If you’re in financial trouble and considering either a consumer proposal or bankruptcy, you may be wondering what will happen to your RRSPs/RRIFs, your pension, and/or your RESPs. When it comes to insolvency law in Canada, each of these investments is treated differently, so let’s break it down this way:
- [Doyle Salewski donates to The Petawawa Military Family Resource Centre](https://doylesalewski.ca/blog/doyle-salewski-donates-petawawa-military-family-resource-centre/): Doyle Salewski, in cooperation with Canada Company, generously donated $5000 to the Petawawa Military Family Resource Centre. The centre is committed to enriching the lives of individuals and families of the military community through positive action, education and support. Making the donation is Brian Doyle, President of Doyle Salewski. Accepting the donation on behalf of Family Resource centre is JoAnne Morin, Member at large. Also in the photograph is Jamie Lightle, Deputy Executive Director and Jennifer Schori, Member at large. We can’t overlook the group of “Lil Troopers”. The ceremony took place at the Lil Troopers south in Petawawa.
- [Student loans, bankruptcy, and consumer proposals](https://doylesalewski.ca/blog/student-loans-bankruptcy-consumer-proposals/): When you declare bankruptcy or file a consumer proposal, most—but not all—of your debts are discharged at the end of your bankruptcy/consumer proposal term. This means your debts are forgiven (in bankruptcy) or considered paid in full (in a consumer proposal), and you’re no longer liable for them. Your student loans, however, may be among those that are not discharged (others include alimony, child support, debts due to fraud, and court-imposed penalties).
- [Home Ownership During a Bankruptcy or Consumer Proposal](https://doylesalewski.ca/blog/home-ownership-bankruptcy-consumer-proposal/): If you’re considering bankruptcy or a consumer proposal, you might be wondering what will happen to your home. Will you lose it to your creditors? Have to sell it? Be able to keep it? The answer is: it depends.
- [Beware the Quick Credit Fix](https://doylesalewski.ca/blog/beware-quick-credit-fix/): 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 thousands of dollars on debt payments? 
- [What a Credit Counselling Firm Can Do for You—and What it Can’t Do.](https://doylesalewski.ca/blog/credit-counselling-firm-can-cant/): 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 debt management plan. This is a monthly repayment plan that the counsellor arranges on your behalf with your creditors.
- [5 Steps to Rebuilding Your Credit Rating](https://doylesalewski.ca/blog/5-steps-rebuilding-credit-rating/): 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 discharged after nine months), and a consumer proposal will remain for three years after you complete it.
- [What Happens If I Default on My Consumer Proposal](https://doylesalewski.ca/blog/what-happens-if-i-default-on-my-consumer-proposal/): Once you’ve filed a consumer proposal and it has been accepted by your creditors, it is legally binding on both you and them. You must make the payments you’ve agreed to, and your creditors cannot take any further action against you as long as you’re doing so. If you fail to hold up your end of the agreement, however, the situation changes.
- [What if you own your own business](https://doylesalewski.ca/blog/what-if-you-own-your-own-business/): If you own an incorporated business, you may be wondering what will happen to it if you file a consumer proposal. Will you have to sell it or turn it over to your proposal trustee? In most cases, probably not.
- [My Creditors Refused My Consumer Proposal: Now What?](https://doylesalewski.ca/blog/my-creditors-refused-my-consumer-proposal-now-what/): Generally speaking, creditors will accept a consumer proposal that is reasonable. They’ll have done their calculations (just as your trustee did) and determined that they stand to gain more from a proposal than they might if you become bankrupt. Occasionally, however, the majority of your creditors will decide that a proposal is not in their best interests and they will refuse it.
- [Home Ownership During a Consumer Proposal](https://doylesalewski.ca/blog/home-ownership-during-a-consumer-proposal/): You’ve come to terms with the fact that you’re insolvent, done your research, and you think you’re ready to talk to a trustee about making a consumer proposal. But wait…what happens to your house if you do? Will you lose it? Will the bank repossess?
- [Your Rights During a Consumer Proposal](https://doylesalewski.ca/blog/your-rights-during-a-consumer-proposal/): If you’re considering filing a consumer proposal, you may be wondering how it will affect things such as job security, continued harassment by your creditors, and tenancy/home ownership. In this, the sixth article in our consumer proposal series, we look at what your rights are with regard to some common concerns during a proposal.
- [What Happens if Your Creditors Request a Meeting](https://doylesalewski.ca/blog/what-happens-if-your-creditors-request-a-meeting/): 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.
- [What Happens After You File a Consumer Proposal](https://doylesalewski.ca/blog/what-happens-after-you-file-a-consumer-proposal/): You’ve made the decision to seek help with reducing your financial stress and you, with assistance from your licensed trustee, have decided that a consumer proposal is your best option, and your trustee has filed all the necessary paperwork. That’s it, right? You’re done!
- [Who can File a Consumer Proposal](https://doylesalewski.ca/blog/who-can-file-a-consumer-proposal/): Who can File a  Consumer Proposal?
- [Consumer Proposal: How to file in Ontario](https://doylesalewski.ca/blog/how-to-file-a-consumer-proposal/): A consumer proposal usually remains on your credit report for 3 years after completion or 6 years from filing, whichever comes first. This applies to both Equifax and TransUnion in Canada. Equifax · TransUnion
- [4 things to know if you’re harassed by debt collectors](https://doylesalewski.ca/blog/4-things-to-know-if-youre-harassed-by-debt-collectors/): A CBC News investigation has discovered some interesting information about debt collectors. They published an article “4 things to know if you’re harassed by debt collectors”. Whether or not you have had dealings with a debt collector, you will find this article worth reading. Click here to read the article.
- [16×9 Global News Show – Bad Debt Article](https://doylesalewski.ca/blog/16x9-global-news-show-bad-debt-article/): Global News has also published an article “Bad Debt” about debt settlement companies. The article is a media interview with a disgruntled and unhappy debtor who has first-hand experience dealing with debt settlement companies. Please Click Here to read the article.
- [Five steps to reduce debt](https://doylesalewski.ca/blog/five-steps-to-reduce-debt/): Sometimes it’s the little things that make a big difference. Here are five easy steps you can take to reduce your debt and set yourself on
- [Yikes… now we have to live on one income](https://doylesalewski.ca/blog/yikes-now-we-have-to-live-on-one-income/): 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 more focus on family, careful planning can make the transition to a single-income home much smoother.
- [Keeping Anonymous….will my friends and family find out?](https://doylesalewski.ca/blog/keeping-anonymous-will-my-friends-and-family-find-out/): For the vast majority of Canadian personal bankruptcies there is no obvious public disclosure that an individual has become bankrupt.  There are very rarely public filings of court records related to personal bankruptcies.  In the majority of cases, unless you are a very well known high profile personality in your community, only your trustee will have knowledge of your bankruptcy.  Remember that creditors will know about the bankruptcy so any local stores, family or friends you may have listed as creditors will be informed of your bankruptcy.  One thing to remember is that in the future when you are completing a credit application, if you are asked whether or not you have been bankrupt you must answer honestly.  Failing to make a correct declaration could land you in trouble.
- [How to Work with your Creditors](https://doylesalewski.ca/blog/how-to-work-with-creditors/): 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, you should deal with creditors directly, and not try to run away from them. Most creditors respond best to written requests backed by detailed plans.
Letters aren’t just a formality, they’re required by creditors. The letter should state your financial problem and explain what has happened to cause you to default on your scheduled payments.
Include up-to-date detailed financial statements that show exactly where your debts lie. And don’t forget to include your new monthly budget that illustrates how the creditors will be repaid each month. At the end, you’ll want to request their written acceptance of your proposal.
Now show them the money – include the first agreed upon payment to get the process started. This is your best bet for getting the deal on track quickly. Just make sure that once you’ve made the initial commitment, you stick to it.
To help you along, it’s smart to use an objective third party such as Doyle Salewski. We deal with creditors every day and have helped thousands of people just like you.
Note that if your plan of repayment cannot realistically pay your creditors in full with interest, then you should consult with Doyle Salewski. Only a firm like Doyle Salewski may legally commit creditors to a repayment of only a partial amount of your debt in return for full forgiveness of your obligations to all your creditors.
- [Live within a Financial margin](https://doylesalewski.ca/blog/live-within-a-financial-margin/): Live within your limits
- [Can I pay all of my debt back through a Licensed Insolvency Trustee?](https://doylesalewski.ca/blog/can-pay-debt-back-licensed-insolvency-trustee/): Yes. A Licensed Insolvency Trustee (“LIT”) is the only professional in Canada that is able to help someone who needs to file a bankruptcy. What many do not know is that LITs provide many other services for people and businesses with excessive debt.
- [Can I Sponsor Someone to Immigrate to Canada While Bankrupt?](https://doylesalewski.ca/blog/can-sponsor-someone-immigrate-canada-bankrupt/): In life things tend to happen all at once. Rarely do we face big challenges one at a time. Instead they tend to come at you all at once, making things difficult indeed.

## Pages
- [Joël Rouleau](https://doylesalewski.ca/about-us/personal-insolvency-team/joel-rouleau/): Debt Relief Manager
- [Orlando Aguilar](https://doylesalewski.ca/about-us/personal-insolvency-team/orlando-aguilar/): Orlando Aguilar is a detail-oriented professional with over 12 years of experience serving the Ottawa community in the healthcare industry. Known for his compassionate approach and commitment to client care, he has built a strong reputation for professionalism.
- [Debt Stress Assessment](https://doylesalewski.ca/debt-stress-assessment/): Save up to 80%!
- [Book a free consultation](https://doylesalewski.ca/book-a-free-consultation/): You’ll speak with a debt expert who will walk through your situation and explain your options clearly. No pressure. No judgment. Just a realistic plan.
- [Blog](https://doylesalewski.ca/blog/): Debt freedom made simple Welcome to Doyle Salewski's Debt Relief Blog Expert guidance, practical solutions, and fresh starts for Canadians Blog Categories Bankruptcy
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- [Bankruptcy vs. Consumer Proposal](https://doylesalewski.ca/our-services/bankruptcy/bankruptcy-vs-consumer-proposal/): There are two ways for consumers to file for protection under the Bankruptcy and Insolvency Act: a bankruptcy and a consumer proposal.
- [Debt Relief in Brockville](https://doylesalewski.ca/debt-relief-brockville/): It only takes one conversation to change your life. 
- [Debt Relief in Pembroke](https://doylesalewski.ca/pembroke-debt-relief/): It only takes one conversation to change your life. 
- [Protected: Calculator](https://doylesalewski.ca/calculator-2/): How much debt do you have?
- [How much does a consumer proposal cost in Ontario?](https://doylesalewski.ca/our-services/consumer-proposal/cost-of-consumer-proposal-ontario/): At Doyle Salewski, we know that financial stress is overwhelming and the fear of not knowing what a consumer proposal will actually cost keeps many people stuck. This page is here to clear that up.
- [Business Solutions](https://doylesalewski.ca/our-services/business-solutions/): Doyle Salewski provides independent and objective financial advice and services to both debtor companies and creditors. With our collective skills as chartered accountants, Licensed Insolvency Trustee, forensic accountants, and business consultants, we’re a leader in finding the best business debt solutions in Ottawa for all stakeholders in a crisis situation.
- [Ottawa](https://doylesalewski.ca/contact-us/ottawa/): Ottawa, selected by Queen Victoria in 1857 as the capital of the then-Province of Canada, is now a bustling metropolis and the heart of the National Capital Region. Nestled along the Ottawa River, this city boasts a rich history intertwined with its modern, cosmopolitan atmosphere. While Ottawa is renowned for its strong public service sector, it also serves as a hub for international technology firms, universities, and manufacturers that contribute to a high quality of life.
- [Contact](https://doylesalewski.ca/contact-us/): We help Canadians overcome debt
- [Brian P. Doyle](https://doylesalewski.ca/about-us/brian-p-doyle/): Founder
- [About us](https://doylesalewski.ca/about-us/): As partners and industry veterans, Brian Doyle and Paul Salewski have forged an unbreakable professional bond spanning over 35 years. As chartered accountants, Licensed Insolvency Trustee, and certified fraud examiners, they embody a wealth of expertise and unwavering commitment to their craft. Together, they have amassed 60 years of experience empowering individuals and businesses facing dire financial circumstances.
- [Consumer Proposals](https://doylesalewski.ca/our-services/consumer-proposal/): A popular alternative to bankruptcy
- [Bankruptcy](https://doylesalewski.ca/our-services/bankruptcy/): When you need a fresh start
- [Our Services](https://doylesalewski.ca/our-services/): Whether you’re an individual or a corporation, if you’re experiencing financial stress or cash flow problems, or if creditors are calling or you’re unable to make your payments, Doyle Salewski can help. Our professional credit counsellors are qualified to assist individuals who are burdened with excessive debt.
- [Home](https://doylesalewski.ca/): 4.9/5 from 400+ Google reviews |
- [Calculator](https://doylesalewski.ca/calculator/): Save up to 80%!
- [Debt Relief Form](https://doylesalewski.ca/debt-relief-form/): See if you qualify for debt relief
- [Doyle Salewski Inc. | See if you qualify for Debt Relief](https://doylesalewski.ca/debt-relief-application/): https://youtu.be/Y2qC_zgbaNk
- [Consumer Proposal: A Definitive Guide For Canadians](https://doylesalewski.ca/our-services/consumer-proposal-guide/): Feeling overwhelmed by mounting debts? You’re certainly not alone. In an era where economic uncertainty is the new norm, financial struggles are a shared experience. But here's the good news: you have options, and one of them is a Consumer Proposal. Consider this your ultimate guide, a comprehensive resource that will walk you through what a Consumer Proposal is, why it might be the right choice for you, and how to go about initiating one. So, let's dive in!
- [Petawawa](https://doylesalewski.ca/contact-us/petawawa/): Located along the banks of the Ottawa River, Petawawa is a dynamic town known for its close-knit community and strategic importance. Home to Canadian Forces Base Petawawa, one of Canada’s largest military bases, this town of approximately 17,000 people plays a key role in the nation’s defense and has a rich history of military service. The base has drawn military families to the area for decades, contributing to the town’s growth and diverse population.
- [Testimonials and Reviews](https://doylesalewski.ca/about-us/testimonials-reviews/): Discover what our valued clients have to say about their experiences with Doyle Salewski. We take great pride in providing exceptional financial services and debt relief solutions. Read the heartfelt testimonials and reviews below to learn how our dedicated team has helped individuals and businesses overcome their financial challenges. Join the growing list of satisfied customers who have found financial freedom and peace of mind with Doyle Salewski
- [How We Help](https://doylesalewski.ca/how-we-help/): Doyle Salewski is committed to providing comprehensive financial services designed to help you navigate through your financial struggles and towards a path of financial stability. We understand that dealing with financial problems can be overwhelming. That's why we aim to not just alleviate your financial burdens, but also to help you understand the processes involved.
- [Tweed](https://doylesalewski.ca/contact-us/tweed/): At Doyle Salewski Tweed, we offer compassionate, personalized solutions to help you regain control of your finances. Our Licensed Insolvency Trustee (LIT) has extensive experience in helping individuals and families navigate their debt relief options, from consumer proposals to credit counselling. With our deep understanding of Napanee’s community values, we provide tailored advice that respects your financial situation and personal goals.
- [Campbellford](https://doylesalewski.ca/contact-us/campbellford/): Nestled along the scenic Trent River, Campbellford offers a blend of small-town charm and outdoor adventure. Known for its diverse recreational activities, delightful dining, and vibrant arts scene, this unincorporated community in Northumberland County is a hidden gem for locals and visitors alike. With a population of around 3,500, Campbellford is just a short drive from both Ottawa and Toronto, or you can even arrive by boat via the Campbellford Lock on the 240-mile Trent-Severn Waterway.
- [Picton](https://doylesalewski.ca/contact-us/picton/): Nestled in the heart of Prince Edward County, Picton is a charming town known for its historic streets, scenic landscapes, and vibrant local community. As a major hub in one of Ontario’s most popular tourist destinations, Picton offers an appealing mix of small-town charm and modern amenities. From its boutique shops and local wineries to the famous Sandbanks Provincial Park, Picton is a town that draws both visitors and new residents alike.
- [Trenton](https://doylesalewski.ca/contact-us/trenton/): Located along the Bay of Quinte, Trenton is known for its scenic beauty, historic roots, and significant role in Canadian aviation. As part of Quinte West, Trenton is home to CFB Trenton, one of Canada’s largest and most important military bases, which has shaped much of the town’s character and economy. With its deep ties to the Canadian Forces, Trenton has developed a strong, tight-knit community that values its heritage and future growth.
- [Napanee](https://doylesalewski.ca/contact-us/napanee/): Napanee is a historic town, located on the scenic Napanee River and just minutes from the Bay of Quinte. Known for its charming downtown core lined with well-preserved buildings from the 19th century, the town’s rich history adds to its unique appeal. However, like much of Ontario, residents here face modern financial challenges. Whether it’s managing rising debt, unexpected expenses, or a change in personal circumstances, Napanee residents are not immune to the pressures of today’s economy.
- [Belleville](https://doylesalewski.ca/contact-us/belleville/): Belleville, known as the "Gateway to the Golden North," has long been a hub for both history and opportunity. Originally called Singleton’s Creek, and later Meyer’s Creek, Belleville adopted its current name in 1816, honoring the wife of Upper Canada’s lieutenant governor. Situated along the Bay of Quinte and halfway between Ottawa and Toronto, Belleville has grown from a mill town to a thriving city of over 50,000 residents. The local community enjoys a vibrant arts scene, numerous festivals, and a rich sporting culture, offering something for everyone.
- [Montreal](https://doylesalewski.ca/contact-us/montreal/): Montreal, the vibrant heart of Quebec, looms large in the minds of Canadians, much like Mount Royal rises from the city’s core. Founded in 1642 along vital waterways, Montreal has a storied history of surviving wars and occupations, evolving into an economic powerhouse. It even briefly served as Canada’s capital when the country was still a British province. The city’s meteoric growth continued through World War II, with trade booming until the Saint Lawrence Seaway opened in 1959, shifting regional dynamics.
- [Embrun](https://doylesalewski.ca/contact-us/embrun/): Just 40 kilometres south of Ottawa lies Embrun, one of Eastern Ontario’s most picturesque commuter towns. Part of Russell Township, Embrun is a growing community of around 10,000 residents, known for its beautiful landscapes and rapid population growth in recent years. While Embrun’s current expansion is impressive, its early history tells the story of perseverance. Founded by French settlers in the mid-19th century, this agricultural hub flourished around the Castor River, with flour mills powering the local economy for decades. The arrival of the railway in the early 1900s helped connect Embrun to the broader region, laying the foundation for its future growth.
- [Our Process and Frequently Asked Questions](https://doylesalewski.ca/how-we-help/our-process-and-faqs/): At Doyle Salewski, we go out of our way to make our process as comfortable as possible and to help you achieve financial freedom. You’ll probably have a lot of questions, and your counsellor will as well, so expect to spend one to two hours at your first appointment. If you forget to ask something during the appointment, your counsellor is available by telephone or email.
- [Extended Counselling Services](https://doylesalewski.ca/how-we-help/extended-counselling-services/): Extended Counselling Services Thousands have trusted Doyle Salewski to guide them to debt freedom. Get a free consultation Not sure where to start? How We Help Our Process and Frequently Asked Questions
How We Help
Our Resources
Client Forms
The Copperjar System
Extended Counselling Services
The Consequences of Financial Stress for Individuals, Families, and Society Not sure where to start? Smoking Cessation If You Want to Help a Smoker Quit (PDF)
For Smokers Who Want to Quit (PDF)
For Smokers Who Don’t Want to Quit (PDF)
Smokers’ Helpline “has proven tips and tools to help you quit successfully. For free, personalized and non-judgmental support, advice and information connect to quit today.”Tel: 1-877-513-5333
Canadian Cancer Society “The best thing you can do for your health is to be a non-smoker and protect your family from second-hand smoke… Quitting smoking can have a profound impact on your health, your appearance, and your finances.”
The Canadian Cancer Society provides a calculator that will help you see the financial benefits of quitting and the impact if you don’t) Abuse/Assault If this is an emergency, call 911
Ottawa Rape Crisis Centre “Over the past 36 years the ORCC has developed into a community leader in the fight to eliminate sexual violence against women and creating safe communities for all.”Tel: 613-562-2333
Reporting Sexual Assault
Ontario Association of Interval & Transition Houses (OAITH) “is a provincial coalition founded by women’s shelter advocates in 1977.”
Ontario Network of Sexual Assault/Domestic Violence Treatment Centres “Together, we ensure that women, children and men who are victims/survivors of sexual assault or domestic violence have access to comprehensive and timely support to address their individual medical and legal needs.” Locate a centre near you.
Services for women experiencing violence
Services for victims/survivors of sexual assault
Services for victims/survivors of domestic violence
The Assaulted Women’s Helpline1-866-863-0511 (toll-free).1-866-863-7868 (TTY)416-863-0511 (Toronto)#7233 on your FIDO, Rogers, Telus, or Bell Mobility phone“For more than 25 years, the Assaulted Women’s Helpline has served as a free, anonymous and confidential 24-hour telephone and TTY crisis telephone line to all women in the province of Ontario who have experienced any form of abuse. We provide crisis counselling, safety planning, emotional support, information and referrals accessible 7 days a week, 365 days a year. We work in tandem with community partners and sister agencies towards bridging gaps in service and identifying emerging issues or trends relevant to the women we work with. . . . . This confidential 24-hour province-wide helpline offers crisis counselling, emotional support, safety planning, and referrals for women needing a shelter, legal advice or other supports. This service is free and is available in over 100 different languages including 17 Aboriginal languages.”
Femaide for Francophone ServicesToll-free: 1-877-336-2433 (Toronto)TTY: 1-866-860-7082 (Toronto)
Shelternet “Created to provide reliable and up-to-date information for abused women, their family, friends, and colleagues in Canada.”
Neighbours, Friends and Families “is a public education campaign to raise awareness of the signs of woman abuse so that those close to an at-risk woman or an abusive man can help.” AboriginalFrançais Addictions Addiction Treatment Facilities in Ontario (PDF)
Alcoholics Anonymous
Al-Anon-Alateen Family Groups OttawaTel: 613-860-3431Téléphonique (en Français): 819-669-0543EmailOntario (South) websiteOntario (North) websiteMeetings in Canada & the United States
Centre for Addiction and Mental HealthTel: 1-416-595-6111Toll-free 1-800-463-6273
Drug and Alcohol HelplineInfo-Line Tel: 1-800-565-8603
Ontario Problem Gambling HelplineTel:  1-888-230-3505
Ministry of HealthTel: 1-866-532-3161 (Toll-free in Ontario)TTY: 1-800-387-5559
Mental Health and Addictions Services CONNEX ONTARIOTel: 1-4161-519-439-0174
Treatment Facilities and Organizations DAH Database
Mental Health Service Information OntarioTel: 1-866-531-2600
Motherisk Program Hospital for Sick Children, Toronto
Counselling for pregnant or breastfeeding women about exposure to substances including drugs, medications, or other chemicals.Tel: 416-813-6780
Methadone Saves Lives
Ontario AIDS and Sexual Health InformationThe main line deals with issues related to harm reduction, injection drug use, and needle exchange programs.Tel: 1-800-686-7544Fax: 416-338-2257
Psychiatric Patient Advocate Office (PPAO)Tel: 416-327-7000Toll-free: 1-800-578-2343
Narcotics AnonymousTel: 613-236-4674Toll free: 1-888-811-3887Email
Ontario Drug & Alcohol Helpline (ConnexOntario)Tel: 1-800-565-86031-519-439-0174 (Outside of Ontario) Child Abuse If this is an emergency, call 911
Kids Help Phone
Tel: 1-800-668-6868 Legal Help Community Legal Education Ontario
“CLEO is a community legal clinic, founded in 1974, that specializes in public legal education… Most of our publications are written for people with low incomes, and other disadvantaged groups, including immigrants and refugees, seniors, women and injured workers.”
Tel: 416-408-4420
Fax: 416-408-4424
Email Domestic Violence If this is an emergency, call 911 Senior Citizens Safety Planning for Older Persons (PDF)
Ontario Strategy to Combat Elder Abuse (PDF)
What You Need to Know about Elder Abuse (PDF)
Ontario Ministry of Health and Long-Term Care
Home, Community and Residential Care Services for SeniorsCall ServiceOntario, INFOline at 1-866-532-3161TTY 1-800-387-5559In Toronto, TTY 416-327-4282
The Ontario Network for the Prevention of Elder Abuse
“The Ontario Network for the Prevention of Elder Abuse (ONPEA) is a non-profit, charitable organization dedicated to raising awareness about the abuse and neglect of older adults.Toll-Free: 1-866-299-1011 Sexual Assault/Abuse If this is an emergency, call 911
Ontario Coalition of Rape Crisis Centres (OCRCC)
“Please use our site to find help if you or someone you know is a victim of sexual assault; search for information and educational resources about sexual violence and related issues; network with rape crisis/sexual assault centres across Ontario; support the prevention and eradication of sexual violence and other forms of violence against women!; learn more about the OCRCC and its member centres.”
Rape Crisis/Sexual Assault Centres Women’s Issues The Ontario Women’s Directorate “Promotes women’s equality with a focus on ending violence against women and increasing women’s economic security.” Housing Assistance City of Ottawa – “The Housing branch provides a continuum of housing and housing support services to sustain and enhance social housing, promote options for increasing the supply of affordable housing, ensure the delivery of emergency and supportive housing services, and manage the development and implementation of a community action plan to prevent and end homelessness.”During business hours, Monday to Friday, call 613-560-6000After hours and on the weekend call 3-1-1Toll-Free: 866-261-9799TTY: 613-580-2401 Food Bank The Ontario Association of Food Banks “is a network of over 100 food banks from Windsor to Ottawa, and Thunder Bay to Niagara Falls. Since 1992, we have been committed to reducing hunger across the province.”
The Ottawa Food Bank is “committed to the ideal that no one in our region should ever have to struggle with hunger; with this is mind, the Ottawa Food Bank collects and distributes food to our Member Agencies, who then provide it to those in need.”
Banques alimentaires “Soutenir et représenter les organismes d’aide alimentaire du Québec, par la recherche et la mise en œuvre d’alternatives durables visant l’autonomie alimentaire, notamment en contrant la faim et la pauvreté.” Salvation Army Ottawa Bethany Hope Centre “Located in Ottawa’s central community of Hintonburg, The Salvation Army Bethany Hope Centre for Young Parents continues nearly a century’s tradition of providing service to pregnant and parenting youth and their children. Our multi-service Centre offers supports to young parents 25 and under and their children 6 and under living within the Ottawa region.”Phone: 613-725-1733 Fax: 613-725-9480Email
Ottawa Booth Centre “is a place of NEW BEGINNINGS . . . proud to be part of larger community initiatives in addressing many of the issues of homelessness and chronic poverty.” (e.g. individualized housing plans, addiction recovery, community family services, meals, domiciliary hostel, emergency and disaster services, family tracing, men’s hostel, pastoral services, street outreach, transitional housing.)Phone: 613-241-1573Fax: 613-241-2818
Ottawa Citadel –Intercultural Community Ministries & Family ServicesPhone: 613-731-0165Fax: 613-731-8260Email
Community & Family Services The Salvation Army Ottawa Citadel’s Community and Family Services responds to the needs of families and singles in the community requiring emergency and follow-up assistance. Many of our programs and services would not be possible without the public and community support.
Ottawa Grace Manor “Based on the Mission, Vision, and Values of the Salvation Army in Canada and Bermuda Territory, the Mission of Ottawa Grace Manor is to serve unconditionally all individuals requiring Long Term Care services with dignity and compassion in the tradition of the caring ministry of Jesus Christ. Ottawa Grace Manor is a caring community, which offers a continuum of services related to Long Term Care, adapts to meet changing needs and supports aging in place.”Phone: 613-722-8025Email Student Loans The Canada Student Loans Program and the Canada Student Grants Program help by providing student financial assistance in the form of loans and grants to Canadians attending post-secondary education in most provinces and territories.EligibilityHow to ApplyRepayment Assistance Employment Insurance Employment Insurance (EI) “provides temporary financial assistance to unemployed Canadians who have lost their job through no fault of their own, while they look for work or upgrade their skills.”Toll-Free: 1-800-206-7218TTY: 1-800-529-3742 Workers’ Compensation Workers’ Compensation “We are committed to delivering what matters to the workers and employers of Ontario: fast, accessible service and fair benefits at a fair price..”Phone: 416-344-1000TTY: 1-800-387-0750 Suicide Prevention and Intervention Dial 911 if you are in danger
Canadian Association for Suicide Prevention “Calling a Crisis Centre is the right thing to do if you are in crisis, or if you need support for someone you know. Trained professionals are available 24 hours a day.”
Distress Centre Ottawa and RegionPhone: 613-238-3311Crisis Line: 613-722-6914 or 1-866-996-0991Distress Centres Ontario “At a DC you can find a listening ear for lonely, depressed, and/or suicidal people, usually 24 hours a day, 7 days a week. Many centres also have Suicide Survivor programs, support services for youth, telephone call out programs for seniors and vulnerable people, mental health Crisis Lines services and much more.”Distress Centre Phone: 613-238-3311Crisis Line: 613-722-6914 or 1-866-996-0991
Tel-Aide Outaouais offre un service d’écoute téléphonique en français aux personnes qui ont besoin d’aide, de soutien ou de références. Les bénévoles de Tel-Aide offrent une écoute attentive, chaleureuse et empathiquePhone: 819-775-3223; 613-741-6433; 1-800-567-9699 Save up to 80% on your debt! Apply for Debt Relief Qualifying for debt relief is as simple as letting us know how much debt you have and what kind.
- [The Consequences of Financial Stress for Individuals, Families, and Society](https://doylesalewski.ca/how-we-help/the-consequences-of-financial-stress-for-individuals-families-and-society/): People in financial trouble often view their situation as catastrophic. They can suffer from serious debt stress which may result in health and/or relationship problems, depression, and even suicide. At Doyle Salewski’s request, Carleton University composed a survey designed to measure our clients’ stress levels and ability to cope both before and after meeting with us. The survey showed that 90 percent of our clients averaged a 50 percent decrease in stress levels after meeting with us.
- [The Copperjar System](https://doylesalewski.ca/how-we-help/the-copperjar-system/): Doyle Salewski endorses the Copperjar System, a tool to help you organize and control your finances. Brian Doyle and Paul Salewski have enjoyed a 25-year relationship with Paul LaBarge, co-author of The Copperjar System. We recognize and endorse this practical and comprehensive program designed to help individuals and families structure a stable financial life without accumulating excessive debt.
- [Client Forms](https://doylesalewski.ca/how-we-help/client-forms/): Client Forms Thousands have trusted Doyle Salewski to guide them to debt freedom. Get a free consultation Not sure where to start? How We Help Our Process and Frequently Asked Questions
How We Help
Our Resources
Client Forms
The Copperjar System
Extended Counselling Services
The Consequences of Financial Stress for Individuals, Families, and Society Not sure where to start? Proof of Claim form (PDF)
Personal Finance Profile form (PDF) Save up to 80% on your debt! Apply for Debt Relief Qualifying for debt relief is as simple as letting us know how much debt you have and what kind.
- [Our Resources](https://doylesalewski.ca/how-we-help/our-resources/): Doyle Salewski has a number of resources to help you eliminate your excessive debt and get your life back on track:
- [Businesses](https://doylesalewski.ca/who-we-help/businesses/): We Help Businesses
- [Residents Outside Canada](https://doylesalewski.ca/who-we-help/residents-outside-canada/): At Doyle Salewski, we understand that being a Canadian citizen living abroad can sometimes feel isolating, especially when you’re facing financial pressures back home. Dealing with excessive debt while outside the country can be overwhelming, but our team of experienced financial counsellors is here to help.
- [High Income Earners](https://doylesalewski.ca/who-we-help/high-income-earners/): Doyle Salewski has extensive experience assisting high-income earners through a variety of financial difficulties. Whether dealing with complex financial obligations, excessive debt, or cash flow issues, we provide tailored solutions that address both personal and professional concerns.
- [Persons With Addictions](https://doylesalewski.ca/who-we-help/persons-with-addictions/): At Doyle Salewski, we understand how addictions can take a significant toll on your personal finances, career, relationships, and overall health. In many cases, individuals struggling with addiction can find themselves overwhelmed by debt, unable to manage the financial repercussions.
- [Single Parents & Divorced Families](https://doylesalewski.ca/who-we-help/single-parents-divorced-families/): Single parents and divorced families often face unique financial challenges, from managing household expenses on a single income to dealing with debts incurred during a separation. If you find yourself struggling with these issues, know that you’re not alone.
- [Students and Recent Grads](https://doylesalewski.ca/who-we-help/students-and-recent-grads/): At Doyle Salewski, we understand that many students and recent graduates face significant financial challenges. Whether it’s student loans, credit card debt, or other financial obligations, starting your career with overwhelming debt can cause serious stress.
- [Seniors](https://doylesalewski.ca/who-we-help/seniors/): Retirement should be a time to enjoy the fruits of your hard work, not to worry about overwhelming debt. Unfortunately, many seniors find themselves facing financial difficulties due to fixed incomes, rising living costs, or unexpected medical expenses. At Doyle Salewski, we understand the unique challenges that seniors face, and our certified credit counsellors are here to help you regain your financial freedom.
- [Who We Help](https://doylesalewski.ca/who-we-help/): We Help Everyone!
- [CERB repayment](https://doylesalewski.ca/our-services/cerb-repayment/): COVID-19 caused financial problems for many in 2020. Nearly 9 million Canadians applied for the Canadian Emergency Response Benefit, or CERB, last year. In Ottawa, Ontario alone, nearly 85,000 Ontarians applied for the $2,000 a month relief benefit when it first became available.
- [Frequently Asked Questions About Consumer Proposals](https://doylesalewski.ca/our-services/consumer-proposal/frequently-asked-questions-about-consumer-proposals/): The cost of a consumer proposal in Ontario depends on:
- [Thank You](https://doylesalewski.ca/thank-you/): If your inquiry is urgent, please use the telephone number listed on our contact page to talk to one of our staff members. Otherwise, we will reply by email as soon as possible.
- [Andrea Fumerton](https://doylesalewski.ca/about-us/personal-insolvency-team/fumerton-andrea/): Andrea Fumerton has been an important member of the Doyle Salewski team since 2016. Starting in administration, she has taken on a wide range of roles and gained valuable experience across the firm. Andrea has completed the Canadian Association of Insolvency and Restructuring Professionals (CAIRP) Practical Course on Insolvency Counselling, along with the Insolvency Administration Course. Her dedication, knowledge, and supportive approach make her a trusted part of our team.
- [Teresa Micucci](https://doylesalewski.ca/about-us/personal-insolvency-team/teresa-micucci/): With more than 24 years of experience in the personal insolvency industry, Teresa Micucci has been with Doyle Salewski since 1998. Teresa’s outstanding contribution to Doyle Salewski clients is enhanced by her previous experience working in the non-profit industry and with a major chartered accounting firm. She is a CAIRP certified bankruptcy insolvency administrator and counsellor. Clients appreciate Teresa’s compassion and professionalism.
- [Shelley Dubue](https://doylesalewski.ca/about-us/personal-insolvency-team/shelley-dubue/): Shelley Dubue joined the Doyle Salewski team in 2009 in our administration department coming from a customer based industry. She has completed both the Certified Bankruptcy Insolvency Counsellor and Administrator Courses, moving her way into a Director position. Shelley’s easy going and caring disposition puts the clients at ease.
- [Debbie Doyle](https://doylesalewski.ca/about-us/personal-insolvency-team/debbie-doyle/): Senior Director  B.A.
- [Beatrice Michelli](https://doylesalewski.ca/about-us/personal-insolvency-team/beatrice-michelli/): Beatrice Michelli joined the Doyle Salewski team in 2010 and has worked at several administrative positions within the company since then. Now a CAIRP-certified bankruptcy insolvency counsellor and administrator, Beatrice is always ready to listen and offer assistance to her clients.
- [Marcia Collins](https://doylesalewski.ca/about-us/commercial-team/marcia-collins/): Marcia Collins is a chartered professional accountant and certified general accountant. She has more than 37 years of experience providing accounting and related administrative services in the retail, construction, and service industries. Marcy joined Doyle Salewski in 2000 to provide financial administration and commercial services. Our staff and clients benefit in a wide variety of ways from Marcy’s extensive experience and knowledge.
- [Vicki Russell](https://doylesalewski.ca/about-us/commercial-team/vicki-russell/): Vicki Baker is a qualified CAIRP counsellor and has completed the CAIRP certified bankruptcy insolvency administrator course. In her eight years at Doyle Salewski Inc., she has acquired bankruptcy knowledge by working in various aspects of our personal insolvency practice. Vicki now works exclusively in the commercial division. She listens to and treats her clients with great respect and professionalism.
- [Covid-19 Message](https://doylesalewski.ca/covid-19-message/): As the Coronavirus virus – COVID-19 spreads to over 100 countries and now with cases here in Ottawa, Doyle Salewski Inc., like yourselves, has concerns on how this virus will affect all our lives.
- [Community Involvement](https://doylesalewski.ca/about-us/community-involvement/): Financial difficulties and debt stress do not discriminate. People from all walks of life and levels of income can be adversely affected, and for this reason, we contribute annually to many charitable organizations.
- [Message From The Founders](https://doylesalewski.ca/about-us/message-from-the-founders/): Founder
- [Commercials](https://doylesalewski.ca/media/commercials/): Welcome to the media hub of Doyle Salewski! Dive into our comprehensive collection of resources, where we bring clarity to financial well-being. From insightful articles to enlightening videos, our media section is dedicated to empowering you with knowledge. Whether you're looking for the latest news, expert advice, or tips for managing your finances, our curated content is here to guide you every step of the way. Stay informed, stay ahead, and start shaping your financial future with Doyle Salewski today.
- [The Bear Commercials](https://doylesalewski.ca/media/the-bear-commercials/): https://youtu.be/Khg2rnYnAGA
- [Radio Commercials](https://doylesalewski.ca/media/radio-commercials/): https://youtu.be/81SY81EIs5c
- [Coping with Debt Video Series](https://doylesalewski.ca/media/coping-with-debt-video-series/): https://youtu.be/Nd8anbqTOZQ
- [Doyle Salewski TV](https://doylesalewski.ca/media/): In the first episode of Doyle Salewski TV, Susan asks company President Brian Doyle about the effects of debt stress and the research being done to help understand its impact on families.
- [Privacy Notice](https://doylesalewski.ca/privacy-notice/): This privacy notice discloses the privacy practices for doylesalewski.ca. This privacy notice applies solely to information collected by this web site.  It will notify you of the following:
- [Court Documents](https://doylesalewski.ca/our-services/business-solutions/court-documents/): Doyle Salewski acts in many capacities for companies in various situations.  If you have an interest in any of the companies below for which we are currently acting as monitor, receiver and manager, liquidator, or proposal or trustee, please click on its name for further information. Certain exhibits or schedules, and some documents have not been included for a variety of reasons. Complete copies can be obtained from the Court. 
- [Debt Management Solutions](https://doylesalewski.ca/our-services/ottawa-debt-management-solutions/): Financial stability is within your reach with our comprehensive debt management solutions. We've been serving clients across Ontario and Quebec for over three decades, offering professional advice and assistance to help you overcome debt challenges and reclaim your financial freedom.
- [Doyle Salewski Difference](https://doylesalewski.ca/our-services/doyle-salewski-difference/): In the last 10 years new laws have been created to protect consumers from organizations seeking to profit under the premise of providing a debt-free future. You may have heard of “not-for-profit” credit counselling agencies and debt settlement companies. While these organizations may seem like they provide a solution to debt, many consumers do not understand the full implications of these options. After many complaints the laws are changing and governments have issued strong warnings to ensure consumers understand the associated risks.
- [Credit Counselling](https://doylesalewski.ca/our-services/credit-counselling/): Financial peace of mind is within your reach with Doyle Salewski’s Credit Counselling service. We are committed to providing you with the necessary tools, guidance, and support to manage your financial circumstances effectively and responsibly.
- [Frequently Asked Questions](https://doylesalewski.ca/our-services/bankruptcy/bankruptcy-questions/): You must see a licensed insolvency trustee who will:
- [Bankruptcy Requirements](https://doylesalewski.ca/our-services/bankruptcy-requirements/): While filing for bankruptcy can give you a new lease on your financial life, the process comes with certain responsibilities. Before you file for this legal proceeding, your licensed insolvency trustee will take you through your duties, as well as giving a clear picture overall about how the bankruptcy process will go.
- [How to File for Bankruptcy](https://doylesalewski.ca/our-services/bankruptcy/how-to-file-for-bankruptcy/): If you’re feeling overwhelmed by your debt load and can’t seem to keep up, then bankruptcy may be a viable solution for you. This guide will help walk you through what you need to know about bankruptcy in Ontario, and how to file for one.
- [Facts and Myths](https://doylesalewski.ca/our-services/consumer-proposal/facts-fictions-dealing-debt/): There's a lot of misinformation about consumer proposals, including what they cover, who qualifies, and what they mean for your credit, your home, and your job. Below is a straightforward breakdown of the most common myths and what the facts actually show.
- [Why Choose A Consumer Proposal](https://doylesalewski.ca/our-services/consumer-proposal/why-choose-a-consumer-proposal/): Consumer proposals are the only government approved debt settlement program in Canada. 60% of Ontarians choose a consumer proposal as an alternative to filing for bankruptcy.  
- [Wage Garnishment](https://doylesalewski.ca/wage-garnishment/): A creditor has the right to file suit against you for a portion of your wages. If they win they’d begin receiving a portion of your income directly from your employer. It’s a terrible position to be in, and in Ontario, the wage garnishment percentage is up to 50%.
- [Eliminate Your Tax Debt](https://doylesalewski.ca/eliminate-tax-debt/): Tax debt is common for individuals and small business owners. A recent article by the National Post found that the amount of uncollected tax in Canada is expected to hit $13 billion, so if you’re in debt to the Canada Revenue Agency (CRA), you’re definitely not alone.
- [Student Loan Debt](https://doylesalewski.ca/student-loan-debt/): Recently the government increased the minimum annual income students need to make before they are required to make debt payments to $25,000, but for those who face financial difficulties in addition to large student loan debt, sometimes repaying the debt can seem impossible – and sometimes it actually is!
- [Stop Collection Calls For Good](https://doylesalewski.ca/stop-collection-calls/): Collection agents can call only during certain times:
- [Clear Your Payday Loans Debt Faster](https://doylesalewski.ca/clear-your-payday-loans-debt-faster/): Has the size of your payday debt spiraled out of control? You’re not alone. The interest on payday loans is outrageous and adds up quickly. A $100 payday loan can turn into a $150 payday loan debt in less than a month.
- [Get Help with Bank Loan Debt](https://doylesalewski.ca/get-help-with-bank-loan-debt/): Because we’ve been providing relief in this area since 1996. We’ve worked with all the major and independent banks in Ontario and Quebec, we know how to negotiate with them and we can help you come up with a financial plan to avoid getting into bank debt again. 
- [Consolidate Your Debt](https://doylesalewski.ca/consolidate-your-debt/): This allows you to consolidate certain debts, possibly with an interest-free period, through a credit counselling agency. The issue with debt management plans is creditor participation, in that they may not. So going down this route might not solve your problem of too many calls or letters from too many creditors. 
- [Credit Card Debt](https://doylesalewski.ca/credit-card-debt/): In today's fast-paced world, credit card debt has become a common issue for many Canadians. According to a recent study by the Financial Consumer Agency of Canada, approximately 70% of Canadians carry credit card debt. Furthermore, a report from Equifax Canada revealed that the average Canadian consumer debt (excluding mortgages) reached $23,800 in 2022, with credit card debt being a significant contributor.
- [Careers](https://doylesalewski.ca/careers/): If you possess, or are seeking, CAIRP accreditation and are looking for a rewarding and fulfilling career opportunity, Doyle Salewski may have an opening for you. Please send your resume to careers@doylesalewski.ca
- [Accessibility Policy](https://doylesalewski.ca/accessibility-policy/): We are committed to welcoming people with disabilities who are accompanied by a support person. Any person with a disability who is accompanied by a support person will be allowed to enter Doyle Salewski Inc.’s premises with his or her support person. At no time will a person with a disability who is accompanied by a support person be prevented from having access to his or her support person while on our premises.
- [Commercial Team](https://doylesalewski.ca/about-us/commercial-team/): Commercial Insolvency Administrator
- [Debt Relief Solutions Team](https://doylesalewski.ca/about-us/personal-insolvency-team/): Senior Director
- [Tracey Toman](https://doylesalewski.ca/about-us/tracey-toman/): Tracey Toman is a vice-president of Doyle Salewski Inc., and is a Licensed Insolvency Trustee. Tracey Toman has been involved in the insolvency industry since 1997. She is currently a member of the Canadian Association of Insolvency and Restructuring Professional (CAIRP) and a registered insolvency counsellor. Tracey enjoys working with people and finds it rewarding to assist them in a positive manner. Prior to becoming a Licensed Insolvency Trustee, she practiced as a paralegal specializing in commercial litigation, insolvency and construction law. She oversees the administration of personal and commercial insolvency reorganizations, bankruptcies and receiverships for Doyle Salewski, and our clients consider her a tremendous asset.
- [Marc Rouleau](https://doylesalewski.ca/about-us/marc-rouleau/): Marc Rouleau is Senior Vice-President of Doyle Salewski Inc. He holds a bachelor of commerce degree from the University of Ottawa and is also a chartered professional accountant, chartered accountant, chartered insolvency and restructuring professional, Licensed Insolvency Trustee, and certified fraud examiner. Marc has advised thousands of individuals and business owners across Ontario and Quebec since 1988. Marc is fluently bilingual.
- [Paul E. Salewski](https://doylesalewski.ca/about-us/paul-e-salewski/): Paul Salewski is executive vice-president and co-founder of Doyle Salewski Inc. He holds a Bachelor of Arts degree from the University of Western Ontario and is also a chartered professional accountant, chartered accountant, certified insolvency and restructuring professional, Licensed Insolvency Trustee, and certified fraud examiner. With more than 30 years of financial advisory service experience, Paul is one of the most respected professionals in the business community.
- [Gatineau](https://doylesalewski.ca/contact-us/gatineau/): Located in the heart of Gatineau, Doyle Salewski is proud to serve the diverse and vibrant community of Canada’s National Capital Region from our Gatineau office at 26 boul. Saint Raymond. Gatineau, known for its cultural richness and beautiful scenery, combines a predominantly francophone population with a bustling economic landscape, including federal institutions, hospitals, and educational centers. Originally a farming and timber town, Gatineau has evolved into a dynamic city with over 250,000 residents. Its unique history and scenic views from the Canadian Shield foothills make it a place of pride for those who live and work here.
- [Renfrew](https://doylesalewski.ca/contact-us/renfrew/): Located in the beautiful Ottawa Valley, Renfrew is a town rich in history and community spirit. Known for its roots in the lumber industry, Renfrew has long played an essential role in the growth of Ontario. With its scenic surroundings and vibrant small-town charm, Renfrew continues to attract residents and visitors alike who appreciate its unique combination of historical heritage and modern-day convenience.
- [Pembroke](https://doylesalewski.ca/contact-us/pembroke/): Pembroke, known as “The Heart of the Ottawa Valley,” is a vibrant community nestled along the Ottawa River. Renowned for its natural beauty and as Canada’s whitewater capital, Pembroke attracts adventurers from across the region. With a population of around 14,000, the city has maintained its small-town charm while offering a unique mix of recreational activities and historical landmarks, such as the Pembroke Hydro Museum.
- [Smiths Falls](https://doylesalewski.ca/contact-us/smiths-falls/): Situated along the Rideau Canal, Smiths Falls is a historic town known for its industrial roots and scenic charm. Founded in the early 19th century, the town quickly grew as a hub for manufacturing, trade, and transportation, thanks to its location along key waterways. Today, Smiths Falls is thriving, with a vibrant mix of small businesses, historical landmarks, and modern developments, making it a sought-after place to live and work in Eastern Ontario.
- [Perth](https://doylesalewski.ca/contact-us/perth/): Nestled along the Tay River, Perth, Ontario, is a charming historic town with a rich heritage and a strong sense of community. Known for its beautifully preserved 19th-century architecture and vibrant local culture, Perth is a destination for visitors and a beloved home for its residents. Established as a military settlement in 1816, Perth quickly grew into a bustling hub for agriculture, trade, and industry, laying the foundations for the close-knit community it is today.
- [Carleton Place](https://doylesalewski.ca/contact-us/carleton-place/): Carleton Place, a charming town along the Mississippi River, has been steadily growing for over two centuries. Originally established as a timber trade hub in the Ottawa Valley, the town quickly became a centre of industry with thriving textile mills, engine parts factories, and foundries. Today, Carleton Place preserves its historical charm while embracing modern development. The town’s scenic riverfront remains a popular spot for locals and visitors alike, offering picturesque canoeing and outdoor activities.
- [Barry’s Bay](https://doylesalewski.ca/contact-us/barrys-bay/): Located along the northern shore of Kamaniskeg Lake, Barry’s Bay is a tight-knit community with deep historical roots. Once a lumber town, Barry’s Bay has grown into a scenic destination for nature lovers and cottagers alike. This township, home to over 1,300 residents, celebrates its industrial past while embracing the vibrant culture of the Madawaska Valley.
- [Windsor](https://doylesalewski.ca/contact-us/windsor/): As Canada’s southernmost city, Windsor boasts a unique blend of industry, culture, and history. Located on the banks of the Detroit River, Windsor is known as the "Automotive Capital of Canada," with its long-standing ties to the manufacturing sector. However, Windsor’s economy is more diverse than its industrial roots suggest, with growth in sectors like tourism, education, and health care. As a bustling border city, Windsor serves as a gateway between Canada and the United States, adding to its economic importance.
- [Toronto](https://doylesalewski.ca/contact-us/toronto/): As Canada’s largest city and a global financial hub, Toronto is a vibrant and diverse metropolis where people from all walks of life come to pursue opportunities. Known for its iconic skyline, including the CN Tower, and as home to world-class institutions and industries, Toronto is a place where success is celebrated. However, living in such a dynamic city also comes with its challenges, especially when it comes to managing personal finances.
- [Brockville](https://doylesalewski.ca/contact-us/brockville/): Brockville, known as the City of the 1000 Islands, offers a perfect blend of history, adventure, and stunning waterfront views. Nestled between the major corridor of Highway 401 and the Saint Lawrence River, Brockville is a hub for tourism, commerce, and outdoor exploration. Its downtown area, full of revitalized heritage sites, showcases the city’s maritime roots, with attractions like the Aquatarium and shipwreck exhibits bringing the rich history of the river to life.
- [Arnprior](https://doylesalewski.ca/contact-us/arnprior/): Arnprior is a close-knit community that balances small-town charm with growing modern conveniences. However, like many areas across Ontario, the town’s residents and businesses have been impacted by rising debt levels and an unpredictable economy. While Arnprior’s local economy continues to evolve, financial challenges remain a reality for many. Whether it’s due to job loss, unexpected expenses, or rising living costs, financial problems can affect anyone at any time.
- [Cornwall](https://doylesalewski.ca/contact-us/cornwall/): Cornwall, Ontario’s easternmost city, sits at the crossroads of two provinces and two countries. Its unique character stems from a blend of history, culture, and industry. Founded by British loyalists fleeing the newly independent United States, Cornwall took its name from Prince George, the Duke of Cornwall, and its English heritage is still evident today. Initially a military garrison, Cornwall's growth took off with the construction of the Cornwall Canal along the St. Lawrence River, which powered local industries like textiles and paper, attracting francophone workers and giving the town a lasting French influence.
- [Orleans](https://doylesalewski.ca/contact-us/ottawa-orleans/): Orleans, home to one of Ontario’s most vibrant francophone communities, has transformed into a fast-growing suburb while maintaining its rich cultural heritage. Located on the eastern end of Ottawa, Orleans blends natural beauty—such as Princess Louise Falls and Petrie Island—with suburban convenience. Despite the area’s rapid growth over the past 50 years, many residents and families still face financial challenges, such as debt and rising living costs.
- [Nepean](https://doylesalewski.ca/contact-us/nepean/): Doyle Salewski has had the privilege of serving the community of Nepean, Ontario since 1996. Locally owned and operated, our professional team of Debt Relief Managers understands that financial hardship affects people from all walks of life. Doyle Salewski is available to meet with you locally at our 161 Greenbank Road branch, where we’ll examine your best options for debt relief. As members of the community, we understand the value of privacy, respect, and compassion when providing you debt relief options and a plan for securing your healthy financial future.
- [Ottawa – Head Office](https://doylesalewski.ca/contact-us/head-office/): Located in the heart of Nepean, Doyle Salewski’s Ottawa head office at 161 Greenbank Rd is at the core of our operations, providing a wide range of debt relief services to individuals and businesses across the National Capital Region. As our flagship location, this office plays a pivotal role in helping Ottawa residents and beyond navigate financial challenges, offering personalized debt solutions tailored to meet the unique needs of each client.

## Categories
- [Bankruptcy](https://doylesalewski.ca/blog/category/bankruptcy/)
- [Collection](https://doylesalewski.ca/blog/category/collection/)
- [Consumer Proposal](https://doylesalewski.ca/blog/category/consumer-proposal/)
- [covid-19](https://doylesalewski.ca/blog/category/covid-19/)
- [Credit](https://doylesalewski.ca/blog/category/credit/)
- [Debt](https://doylesalewski.ca/blog/category/debt/)
- [Donations](https://doylesalewski.ca/blog/category/donations/)
- [Financial](https://doylesalewski.ca/blog/category/financial/)
- [Insolvency Trustee](https://doylesalewski.ca/blog/category/insolvency-trustee/)
- [Judgement](https://doylesalewski.ca/blog/category/judgement/)
- [Lien](https://doylesalewski.ca/blog/category/lien/)
- [Loans](https://doylesalewski.ca/blog/category/loans/)
- [Mortgage](https://doylesalewski.ca/blog/category/mortgage/)
- [Pension Plan](https://doylesalewski.ca/blog/category/pension-plan/)
- [RESP](https://doylesalewski.ca/blog/category/resp/)
- [Savings](https://doylesalewski.ca/blog/category/savings/)
- [Savings & Retirement](https://doylesalewski.ca/blog/category/savings-retirement/)
- [Student Loans](https://doylesalewski.ca/blog/category/student-loans/)
- [Taxes](https://doylesalewski.ca/blog/category/taxes/)
- [Uncategorized](https://doylesalewski.ca/blog/category/uncategorized/)
- [Wages](https://doylesalewski.ca/blog/category/wages/)