Debt and Divorce: How to Handle Your Finances During a Divorce

Debt and divorce. How to handle your finances during a divorce isn’t an easy task. Since approximately 38% of marriages end in divorce in Canada, it is no wonder that people want to know how to deal with their own debt and marital debt...

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Dealing with Collection Agencies: Harassment and The Collection Agencies Act

In Canada, if you have a debt that goes into default, your creditor can assign your debt to a collection agency to be collected. The collection agency will then attempt to collect the debt from you. They will do this by calling you, sending...

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Debt Relief in Canada Blog Series Part 2 – Do I Qualify to Refinance My Mortgage?

Debt relief in Canada can involve a debt settlement, a consumer proposal, budget management, credit counselling, bankruptcy, debt consolidation and more. The right option for debt relief will depend on your personal and financial situation and...

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Why You Should 100% Be Represented in a Consumer Proposal Canada!

If there is one way to get out of debt it is through a Consumer Proposal Canada. Listen up! This is not a process you should go into unrepresented. Watch this short video by Michael Goldenberg, President of DebtCare Canada, where he discusses...

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Credit Counselling Canada – How Does It Work and Who Qualifies

If you are having challenges managing your debt there are many solutions available. The solution you choose will largely depend on your personal and financial circumstances. The amount of debt that you have, for example, will change the...

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How to Rebuild Your Credit Blog Series – Part 1 Too Many Applications for Credit

This is the first part of a four part blog series about how to rebuild your credit. Many people don’t realize how important credit is until it is damaged. Once credit is damaged, it takes a long time to rebuild, and if you want to know how to...

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CRA “Requirement to Pay Issued” – What is it and what can you do?

If you owe money to the Canada Revenue Agency they have many resources at their disposal to collect the money from you. One very common resource that they deploy is called a “Requirement to Pay.” A CRA “Requirement to Pay” is a document that...

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Wage Garnishments in Canada – How to Stop a Garnishment on Your Wages

Thousands of Canadians have their wages garnished each year. In the past few years there have been more instances of individuals having their wages garnished because of the turbulent economy. Wage garnishments in Canada occur when one party...

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What is a Trustee?

What is a trustee? A trustee is a person who holds property, authority, or a position of trust or responsibility for the benefit of another. In the case of an “estate trustee” the trustee could be a company or an individual. An estate trustee...

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Why do Debt Counsellors Charge a Fee for Debt Help in Ontario?

Debt counsellors are not “not for profit” credit counselling agencies and are actually a form of financial consultant. This often gets misconstrued because credit counselling agencies promote debt help in Ontario; what is not known is the fact...

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