Category

Consumer Proposal & Mortgages
Rebuild credit score during consumer proposal This is another question in the Ask Ross series where you can ask me anything about personal finances. If you have a question for me ask here. This question comes from William who is paying down his consumer proposal and trying to rebuild his credit at the same time....
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So many times when I meet homeowners in debt stress, the first thing they say is they intend to keep their house – come hell or high water. “Find us a solution Ross, but we insist on tying your hands behind your back in the process.” In some cases, it’s actually quite doable. If, after...
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Keeping Credit Cards With a Consumer Proposal? Hi Ross, I have gotten myself into a pickle. I owe $60,000 on my personal line of credit and two credit cards. I cannot repay this in my lifetime or the next. But I still have two more credit cards with available credit of $40,000. Someone told me...
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This week I met two new clients both in the early stages of consumer proposals. The service they received from their trustee was remarkably different. The first couple were struggling to make ends meet, with a mortgage, and two kids, not withstanding net take home pay of around $6,000 per month. They had owed almost...
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We wrap up this first interview with Jordan Rumanek who is a licensed Trustee in Bankruptcy and Administrator of Proposals, whose firm Rumanek & Company Ltd. processes well over a thousand insolvency files each year in the GTA. Today we want to understand how bankruptcy affects people who have a failed business on their hands....
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Today we continue the dialogue with Jordan Rumanek who is a licensed Trustee in Bankruptcy and Administrator of Proposals whose firm Rumanek & Company Ltd. processes well over a thousand insolvency files each year in the GTA. We want to understand how bankruptcy affects homeowners and generally, what can people expect to hold onto if...
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