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What is R9 Credit and How Can I Get Rid of It?

mgoldenberg@debtcare.ca June 10, 2013 No Comments

Many individuals who have an R9 on their credit report will often reference their credit as ‘R9 credit’, as though R9 is the credit rating. Credit reports have an over-all rating. This is a number between 300 and 900. This rating is calculated based on everything that is listed on your credit report. 300 represents a poor rating and 900 represents the best rating. When you request your credit report

How to Deal with Credit Report Errors

mgoldenberg@debtcare.ca June 3, 2013 No Comments

Thousands of Canadians have credit report errors on their credit reports – the scary part is many of them don’t even know it. Credit report errors most commonly occur when your creditors don’t accurately report information to your credit report. The reason credit report errors are so common is because the data is reported electronically by your creditor to your credit report. You may be getting declined for credit or

Can You Really Trust An Ontario Bankruptcy Trustee

mgoldenberg@debtcare.ca May 27, 2013 No Comments

Before you can determine if you can trust an Ontario bankruptcy trustee, you first have to understand what an Ontario bankruptcy trustee is and what his or her role in a bankruptcy or consumer proposal is. An Ontario bankruptcy trustee is an individual or a corporation that is licensed by the Superintendent of Bankruptcy. Bankruptcy trustees are regulated federally. The role of an Ontario bankruptcy trustee is to administer bankruptcies

How to Check Your Credit Score?

mgoldenberg@debtcare.ca May 21, 2013 No Comments

In Canada, a credit report and credit score is used by many different institutions, including banks, credit agencies, and even employers. These documents contain important information about your borrowing and repayment habits, and provide a detailed account of your past financial history. Even though these reports are so important, many Canadians are not familiar with the process of requesting and understanding the credit score. Understanding your credit score is important

How Can I Fix My Credit?

mgoldenberg@debtcare.ca May 13, 2013 No Comments

We all know that bad things happen to good people. No one wakes up in the morning wanting to damage his or her credit. Thousands of Canadians have damaged credit, so if you are wondering “how can I fix my credit”, know that you are not alone and fortunately it can be done – and fairly quickly. To all those who want the answer to the question “how can I

Spring Cleaning Should Include Cleaning Up Your Finances

mgoldenberg@debtcare.ca May 6, 2013 No Comments

The sun is shining and spring is in the air. Cars are lined up at carwashes and the parks are filled with people taking advantage of the warm weather. And, with the advent of spring comes the inevitable ‘spring clean’. From a financial perspective, the spring clean also represents the perfect opportunity to get your finances cleaned up. Still feeling weighed down by a financial boulder? You are not alone.

3 Reasons Why You Should Not Try to Negotiate with the CRA Directly

mgoldenberg@debtcare.ca April 19, 2013 No Comments

Thousands of Canadians struggle with tax problems. One of the worst things that you can do if you have a tax problem that has or will result in a debt that you can’t pay is to try to negotiate with the CRA directly. The reason for this is because the CRA has a single mandate and that is to close your file, whether the money is successfully collected from you or

Is the Big Bad Wolf Calling?

mgoldenberg@debtcare.ca April 19, 2013 No Comments

What to Do if Your Wages Are Being Garnished

mgoldenberg@debtcare.ca April 17, 2013 No Comments

If your wages are being garnished then no doubt you are feeling the pain. Having your wages garnished results in severe financial problems and even embarrassment at work. There are different types of wage garnishments that have financial impacts. If your wages are being garnished as a result of family responsibility there is little that you can do outside of working with a lawyer to try to get the amount

Why an Ontario Trustee in Bankruptcy May Not be the Best Choice

mgoldenberg@debtcare.ca April 8, 2013 No Comments

Traditionally when people think of an Ontario trustee in bankruptcy they think of bankruptcy. The fact is that the Ontario trustee in bankruptcy has changed in recent years. In the past, if you had severe financial problems, you may have thought that bankruptcy was the only way out and so you would seek out an Ontario trustee in bankruptcy. So what has changed? In recent years, the bankruptcy laws have

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