Blog - Page 24 of 50 - debtcare.ca

A No or Low Interest Consolidation is the Only Type of Viable Debt Consolidation

mgoldenberg@debtcare.ca March 22, 2016 No Comments

People call us all the time and tell us that they would love to pay down their debt or get rid of it altogether, but they are not quite sure of the best way to do it or even where to start. There really isn’t any one ‘best way’ that works perfectly for everyone – the best way for you depends on your situation and goals. That being said, a

When Your Trustee in Bankruptcy is Pushing a Consumer Proposal…

mgoldenberg@debtcare.ca March 15, 2016 No Comments

So you’ve finally decided to get a handle on your debt. You’ve done some research, spoken to friends and family, and have decided to get in touch with a trustee. On the first consultation, that trustee in bankruptcy suggests a consumer proposal. Then continues to suggest it, making it seem as though it is your only option. If your trustee in bankruptcy is pushing a consumer proposal, beware! Don’t get

Credit Reports 101 – The Credit Score Range and You!

mgoldenberg@debtcare.ca March 8, 2016 No Comments

Your credit score is important. We all know this. Most of us also know why – it indicates the level of risk you present to lenders when applying for various credit products, including mortgages, car loans, personal lines of credit, credit cards, even insurance. What many people are not as sure about when it comes to credit reports is the credit score range and what the items on your report

Stopping a Wage Garnishment is Easier Than You Think – Even a CRA One

mgoldenberg@debtcare.ca March 1, 2016 No Comments

Situation: You wake up Friday morning, it is payday, and it is going to be a good day. You check your bank account, realize there is money missing (your paycheque was only a portion of what it should have been), so you do some research and find out your wages have been garnished. So long good day… If a creditor or the Canada Revenue Agency is trying to garnish your

Credit Repair Companies and How to Choose One

mgoldenberg@debtcare.ca February 23, 2016 No Comments

Your credit controls a lot in your life. It can impact your ability to get a car, a home, insurance, and some employers will even pull a credit score as part of their reference check. When your credit is not up to snuff, you may find it difficult to obtain even the most minimal credit, and when you do find it you’ll likely be paying sky-high interest. This is where

Dangerous Canada Revenue Agency Requests and What to Do if You Get One

mgoldenberg@debtcare.ca February 17, 2016 No Comments

Tax, tax, tax. There is nothing fun about tax – especially when you owe. If you owe the Canada Revenue Agency money, you are sitting on a ticking time bomb. They want that money and they will get it. The Canada Revenue Agency is not your friend. Agents can be sneaky when it comes to finding and collecting tax dollars. Just remember: the more they are willing to negotiate with

How to Fix Bad Credit When You Don’t Know What the Bad Credit Is

mgoldenberg@debtcare.ca February 9, 2016 No Comments

When was the last time you looked, and I mean really looked, at your credit report? Do you even know what it says, or how to accurately read and decipher it? Far too often people end up with bad credit over mistakes and silly things – things that should be easy to fix. Not knowing what your report says won’t help you fix bad credit – you have to start

The Best Valentine Ever – A Clean Financial Slate

mgoldenberg@debtcare.ca February 2, 2016 No Comments

It is almost Valentine’s Day, and that means that everywhere you look, love seems to be in your face. If you are in a relationship that is rosy, this may just put a smile on your face and make you giddy inside. If, however, you’re at the other end of the spectrum, struggling with relationship stress, this may just make you feel down in the dumps. If you and your

Still Owe Income Tax from Last Year? Avoid a Frozen Bank Account with These Tips

mgoldenberg@debtcare.ca January 26, 2016 No Comments

We are approaching the end of January, and that means that tax time is approaching. Sure, it may be a few months away, but if you still owe income tax from last year, those months can seem like minutes. Really, at this point you’re spending on borrowed time – a frozen bank account could come any day. When you owe the Canada Revenue Agency money, they don’t wait until tax

Getting Back to Basics: Ontario Bankruptcy Trustees and Their Role in Bankruptcy

mgoldenberg@debtcare.ca January 19, 2016 No Comments

2016 is officially in full swing, and for many of us those New Year’s resolutions are still weighing heavily on our minds. If one of your resolutions for this year is to get your finances back on track, and you’re wondering about your options, we are here to help clear things up! This week we are getting back to the basics, talking about Ontario bankruptcy trustees and their role in

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