What is a Consumer Proposal We often hear the question, “Is a Consumer Proposal worth it?” Let’s define exactly what a Consumer Proposal is. Per the Office of the Superintendent of Bankruptcy (the OSB) they define it as follows. “A consumer proposal is a formal,...
Do I need to file a corporate bankruptcy, a personal bankruptcy, or both? Only a Licensed Insolvency Trustee (LIT) can tell you for sure if you need to file a corporate bankruptcy or personal or both. Recognizing how intertwined they can be, a LIT will review the...
Is Bankruptcy the right choice for you? Filing Bankruptcy can be a difficult decision to make. It's important to seek advice from a professional who understands the process, and how to help you. That's why we offer free consultations with our Licensed Insolvency...
We discuss why it is a good idea to change bank accounts when filing a bankruptcy.
Can creditors keep calling me after I’ve filed a bankruptcy (or proposal)? They said they didn’t get the papers from my Trustee, and won’t stop calling until they do! Once a proceeding has been filed with a Licensed Insolvency Trustee, which could be either a...
This is a brief explanation of why a credit report can show incorrect information and where to go to fix that information.
Options to deal with National Student Loan debt.
Want to know what happens when you declare bankruptcy? I'm often asked if declaring bankruptcy is anything like one of the most beloved scenes of the television show, “The Office”. The scene features one of the main characters getting advice from a well-intentioned,...
I want to file a consumer proposal, but my Trustee keeps talking about what happens in a bankruptcy? Does a bankruptcy matter if I want to file a Proposal? Why? We get this question all the time. ALL the time. If you aren't sure why a bankruptcy matters if you want to...
Been declined for a consolidation loan? Want to pay something on your debts, but can’t afford what the creditors are asking for? Talk to a Licensed Insolvency Trustee today about using a Consumer Proposal to consolidate your unsecured debts into one manageable payment, without worrying about the logistics of trying to pay them all yourself
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