Category

Consumer Proposals & Mortgages
There is no question after you file a consumer proposal or personal bankruptcy, your credit score is going to take a beating. Credit scores range from as low as 300 to 900, with most Canadians in the 600’s and 700’s. After you file a consumer proposal, expect your score to drop into the low 500’s,...
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Published: • In this article we’ll look at the 5 most popular questions when it comes to consumer proposal: How does a Consumer Proposal work Who is eligible for a Consumer Proposal Will my spouse be affected by my Consumer Proposal OSAP & Consumer Proposals Second Time Proposals How does a Consumer Proposal Work Consumer...
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Text: Getting a Mortgage After Consumer Proposal Background: Image of an office/living room wih computer featured prominently
Published:   •  Is It Possible To Get a Mortgage After a Consumer Proposal? Yes, But … Suppose you were in a consumer proposal and it’s now completely paid off. You have received your completion certificate from the trustee and now you want to buy a house, or perhaps refinance your current home. Will you...
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Published: • We’re told that a consumer proposal or bankruptcy gives us a second chance to get things right. A fresh start. But what does that mean when it comes to buying a home after a consumer proposal? This article will discuss three different scenarios. If you recently completed a consumer proposal If you have...
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Should you pay off your consumer proposal early? Before you filed your consumer proposal, your debts were out of control. Your consumer proposal gave you relief from your creditors, collectors and perhaps even garnishments. It was a very responsible way to deal with your debts. Creditors appreciate that. Once a new reality sets in and...
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Published: • Get the best mortgage possible by paying off your consumer proposal early It seems to be happening more often these days where chartered banks might not renew the mortgages of borrowers who included the bank’s credit cards and lines of credit in a consumer proposal or personal bankruptcy. Earlier this year Cindy and Miles Baird...
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Published: • Don’t Wait Until You’re Ready to Buy a House to Renovate Your Credit Scores Because we are credit specialists as well as mortgage agents, at Ross Taylor & Associates we help many clients who are trying to improve their credit history. Some have gone through consumer proposals, debt settlements, or even personal bankruptcy....
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