Never give up If you have never had to count your pennies (literally) to live day to day, you may not be able to empathize with today’s featured clients. But believe you me, when times are desperate, it can feel like there is no way out – and people give up. Where do you think...Read More

This student is really good with money James is the same age as Josh, and entered university five years ago with a similar dream. His family had always been desperately poor – he knew right from the get go there would be no financial support from his parents. His parents always lived within their means...Read More

This student  cannot handle credit Josh was entering first year university when I first met him six years ago. His parents had recently applied for bankruptcy, and money was very tight in the family. They had still not adapted to a life without easy access to credit, and they prevailed upon their son to borrow...Read More

Bankruptcy trustee shares information So much is being written these days about Canada being a debtors’ nation, and that average household debt is at an all-time high. What kind of relief can people get from their debts? There are several approaches, some of them worthwhile, some of them offensive. Back in 2010, we interviewed Jordan...Read More

Regular people want to borrow money Earlier this year, I advertised my credit counseling services in Toronto’s major newspapers. The phone rang off the hook. Interestingly, very few people call hoping to enter into a consumer proposal or even bankruptcy. Most want to borrow MORE MONEY, as a way to solve their financial problems. No...Read More