Summer is fast approaching and that means it is time to start planning those family activities and adventures. Yes, we know the summer can become really expensive, really quickly, when you add up all the things you want to do. If you’re...
We often have clients call us, when debt becomes unmanageable, asking if a creditor will actually sue if you default on a debt. While it may seem unlikely, it is, unfortunately, very common. A creditor may sue you themselves, hire a paralegal...
When you’re researching your options for getting control of your debt, you may find yourself confused by the vast array of terms out there – both for the options and the people who provide and manage them. This week, in an effort to clear some...
The income tax filing deadline is April 30th, and that means, if you owe a tax debt to the Canada Revenue Agency (CRA), you may be wondering what happens when you owe and how long you’ve got before the CRA will start asking for their money...
Your credit score is very important. It represents how lenders perceive you as far as risk and impacts how likely you are to obtain various credit products. If you’re concerned about your credit, you may be wondering what a bad credit score is...
Currently, Canadian mortgage interest rates are at record lows. This has been great for those looking to obtain mortgage financing over the last few years, whether first or second mortgages. However, as the saying goes, nothing lasts forever...
信 用 報 告 在加拿大的生活中非常重要, DebtCare Canada 很乐意助你 信 用 報 告 解释上的内容和潜在问题, 继续阅读下去有关 信 用 報 告和’信用查询’的博文。 每當你申請信貸，無論是貸款、銀行借款、汽車貸款或是信用卡，與你合作的金融機構會要求進行一次信用調查。這有助於他們更好地了解你的支付能力和判定你的信貸習慣是否會造成潛在風險。...
在加拿大，赌债 在某程度上跟流感没什么两样，都是像传染性病毒一样。如果你不幸在加拿大背上 赌债，不要对自己失去信心。沉溺上瘾相当于一种病，而 赌博 就是让人高度上瘾的东西。如今，进入加拿大的赌场比以往任何时候都更轻易。从你赢钱的那一刻起，兴奋和愉悦早已蒙蔽了你，让你当下觉得赌博根本不是有害的活动，但是你往往无法想象，它即将变成严重改变你人生的劣瘾。 当 赌博...
在加拿大，很多人有被追债公司催收债务的经历。追债公司经常受雇于私人商业机构或部分银行，他们负责追讨被拖欠已久的债务。当某一公司将有欠债的客户账户指派给追债公司，追债公司会收取欠债人的服务费用和额外的利息，使得债务数目飞速增加。...
We are officially reaching the end of the 2017 tax season, and that means that most Canadians have completed filing and many are patiently waiting for their refund cheque in the mail. If, however, you’ve yet to file because you know a tax debt...
报税季节已到。对于那些会得到大额退税的人来说，这是让人兴奋的时刻。但是，对于那些没有退税反而要补税的人来说，却是一件令人惆怅的事情。报税后要面对一大笔所得税债务，同时你又无法付清，光是想一想就已经令人倍感压力。 其中一个让人觉得恐怖的原因是，一旦税务局评定了你所欠的收入所得税的总数，他们将要求你一次还清。加拿大税务局拥有强大的权力追收被欠的收入所得税。加拿大税务局的讨债措施包括发信、电话追讨，甚至实行强制行动譬如扣押工资，下发税收留置权等。...
很多加拿大人都处于负债处境，债务重组建议书（consumer proposal）是一个很有价值的解决渠道。它能为你减免可观的债务数目和利息，合并所有债务至一笔你可以轻松支付的月付款，这些无疑都是意义重大的好处。同时你也需要知道，债务重组是一个复杂的法律程序，而且必须由破产师管理和执行，那么紧接的问题就是，谁能担任你的代表顾问？...
