Category

Bankruptcy Information
These days there are ads everywhere posted by companies offering – “one payment, no interest, reduce your debt solutions to people with crushing levels of consumer debt.” You see the ads on the back of buses, in the newspapers, on the radio and tv. In most cases, these companies are offering Consumer Proposals as a...
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A couple of weeks ago I negotiated settlements with several creditors on behalf of a client who really did not want to do a consumer proposal. (CP) It was probably a wise decision since, the more I got into the exercise, the more equity in his house and other “grabbable assets” he seemed to have.  A CP...
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For most people, bankruptcy is the adult version of the child’s bogeyman in the closet at night. There are plenty of myths about it, and most of the time, those myths only serve to make a tough situation even tougher. But like that bogeyman, the fears diminish when you figure out what is really going...
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I attended a credit counselling meeting today with a lady in the late stages of a successful consumer proposal. She related a story of how she also owed $1,800 in unpaid 407  tolls at the time she entered into her proposal, and wrongly assumed this bill would be incorporated into her proposal payment. Well over...
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