The holiday season is an expensive time for many! Between gifts, decorations, parties, and travel, the costs (and credit card charges) can quickly add up. To keep your budget and debt in check, holiday financial planning is a must. According...
A Canada Revenue Agency (CRA) requirement to pay is a serious matter and should never be ignored. If you have received a requirement to pay, it means the CRA is about to take collection action. They are telling you that you are required to pay...
Affordable housing in Toronto has been difficult to find for a while now — but despite hopes that it would get better, it is still a major problem for many. A recent report from Zoocasa determined that in the Greater Toronto Area, it would...
In a financial crisis, all of your assets may be in jeopardy – especially your home. A financial crisis can take many forms: an unexpected bill, change in interest rates, job loss, buildup of long-term debt, and more. But one of the hardest to...
If you file for a consumer proposal does it mean you’re bankrupt? It’s a common question we receive, but the short answer is NO. While both programs are administered under the Insolvency Act, filing for a consumer proposal and filing for...
A requirement to pay is one of the most uncomfortable forms of debt collection you can receive. A requirement to pay can be: Sent directly to your employer (as a wage garnishment) so your employer will have to send a portion of your paycheque...
Yes, it’s true — CRA convictions are a real thing and they happen to average people across the country. When it comes to filing taxes late, tax debt, and tax evasion, the Canada Revenue Agency (CRA) has many measures at its disposal. This...
The Canadian federal election is coming up — and housing affordability is on every party’s platform. According to a survey from Abacus Data, 57% of Canadians polled report that an issue related to cost of living, taxes, housing affordability...
When you’re in financial trouble, you want to get out of debt quickly. But finding out how to pay off debt fast can depend on many factors: The amount of debt. If you are carrying a lot of debt, the time to pay it off in full may be longer...
You want to refinance your mortgage, but is your credit up to the task? A number of things can contribute to a low credit score, a.k.a. bad credit. This includes: Defaulting on a loan or bill payment. Poor payment habits, such as missing due...
Having financial troubles can be stressful no matter where you are in life – but it’s doubly so if you own a house. There’s a common fear that financial restructuring will mean losing your home. Fortunately, there are ways to protect against...
How do you stop a wage garnishment? If your paycheque is being targeted by creditors, it’s a critical question to ask – and we have the answer. Stopping a wage garnishment immediately is vital to your financial health: A wage garnishment...
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