Category

Consumer Proposal Information
Can  a student line of credit be included in a proposal or bankruptcy I met a long term client today who has returned to school to upgrade his skills, and has accumulated a fair amount of debt, including a $40,000 student line of credit from a major chartered bank. He needs relief from all his...
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Secured Visa Application Each week I receive calls and emails asking me for help in rebuilding damaged credit histories. Often, s/he has come off (or is still in) a consumer proposal, or debt settlement or personal bankruptcy and is truly starting from ground zero. How to rebuild your credit history is the topic of other...
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When will I be ready for a mortgage Alexander wrote me a few days ago to ask if he can qualify for a new mortgage, given he completed a consumer proposal a few months ago. I asked him some questions and learned he is in his early fifties, he has excellent income and stable employment,...
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Proposal and bankruptcy consumers feel relief Over the past few months I have attended more than thirty insolvency counselling sessions with clients who have recently either declared bankruptcy or entered into consumer proposals. By law, anyone entering into one of these debt solutions MUST attend two credit counselling sessions over the next few months after...
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Spouse wants to declare bankruptcy It’s not unusual for someone to get nervous when their spouse is contemplating a bankruptcy. They worry their credit history, banking relationships, even their employment maybe compromised in some way. Recently I received an email from Jocelyn, who asked these questions: “If my common-law husband were to declare bankruptcy, what...
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Include parking tickets in a consumer proposal Today’s question is from a young lady in Toronto who has managed to accumulate four thousand dollars worth of parking tickets, penalties, and interest charges over the past few years. She also has too many debts and we are about to enter her into a consumer proposal. She...
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