Category

Debt Relief for Home Owners
Be Wary of Debt Settlement Companies; Stick With Registered Credit Counselors or Bankruptcy Trustees Who Are Professionally Certified and Bound By Code of Ethics Last week, a young professional named Zak came to see me.  A year or two ago he was struggling to keep up with his two credit card balances. Back then Zak...
Read More
Be careful what you agree to when entering a consumer proposal 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, notwithstanding net take-home pay...
Read More
How Does Bankruptcy Affect Business Owners? Acknowledgement: Many thanks to Karen Adler, CIRP, who reviewed and improved this series of posts. Karen is  a federally-licensed Trustee in Bankruptcy with Rumanek and Co. Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees, and conducts seminars on bankruptcy and consumer...
Read More
If a debt consultant makes wild promises, beware! Most trustees in bankruptcy cringe when they hear debt consultants making wild promises on the radio. They are not always telling the whole truth. One trustee wrote several scathing blog posts on the subject including Debt Consultants: Some Horror Stories. In Ontario thousands of people are paying...
Read More
What Can You Expect To Hold Onto If You Declare Bankruptcy? Acknowledgement: Many thanks to Karen Adler, CIRP, who reviewed and improved this series of posts. Karen is a federally-licensed Trustee in Bankruptcy with Rumanek and Co. Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees and...
Read More
What Are The Different Types Of Consumer Proposals? Acknowledgement: Many thanks to Karen Adler, CIRP, who reviewed and improved this series of posts. Karen is a federally-licensed Trustee in Bankruptcy with Rumanek and Co. Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees, and conducts seminars on...
Read More
What Are The Alternatives To Consumer Proposals and Bankruptcy? Acknowledgement: Many thanks to Karen Adler, CIRP, who reviewed and improved this series of posts. Karen is a federally-licensed Trustee in Bankruptcy with Rumanek and Co. Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees, and conducts seminars...
Read More
What Kind Of Relief Can You Get From Debt? Acknowledgement: Many thanks to Karen Adler, CIRP, who reviewed and improved this series of posts. Karen is a federally-licensed Trustee in Bankruptcy with Rumanek and Co. Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees, and conducts seminars on...
Read More
Got Huge Debts? Home Equity may be the answer! A lady called me a few weeks ago inquiring if she was a bankruptcy candidate. She and her husband were in serious arrears on their property taxes – over $25,000 – and their municipality was threatening foreclosure. Compounding the stress was around $100,000 in unsecured debts –...
Read More
As the New Year approaches, we invariably have many clients attend meetings in our office where they “confess” to having taken on significant credit card debt over the past year. It seems as if the annual ritual of Xmas shopping pushes them over the edge and they resolve to clear up the debts once and...
Read More
1 2 3
[data-image-id='gourmet_bg']
[data-image-id='gourmet_bg']
[data-image-id='gourmet_bg']
[data-image-id='gourmet_bg']
[data-image-id='gourmet_bg']
[data-image-id='gourmet_bg']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[data-image-id='gourmet']
[index]
[index]