Debt consolidation and bankruptcy are two debt relief options; while debt consolidation aims to simplify monthly payments and lower interest rates, bankruptcy aims to eliminate all debts in exchange for assets and promises. Both have their place, and while debt...

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Consumer Proposal FAQs
Q1: What is a consumer proposal? A consumer proposal is a formal offer to your creditors, arranged through a Licensed Insolvency Trustee, that allows you to repay part of what you owe over a fixed period of time. Q2: How is a consumer proposal different from...
Bankruptcy FAQs
Q1: What is bankruptcy? Bankruptcy is a legal process that helps you eliminate most unsecured debts when you can no longer repay them. In Canada, a bankruptcy is filed by, and administered by, a Licensed Insolvency Trustee. Q2: How long does bankruptcy last in Canada?...
How to Stop a Wage Garnishment in Canada with a Bankruptcy or Consumer Proposal
Introduction If your wages are being garnished, you may feel like you have no control over your paycheque. A portion of your income is taken before you even see it, leaving less money for rent, groceries, and bills. The good news: in Canada, you can stop a wage...
What Does a Debt Consultation Involve?
When facing overwhelming debt, one of the most important decisions you can make is choosing the right professional to guide you through the process. At C. Buhler & Associates Ltd (www.debtfreenorth.com), we believe that expertise, integrity, and compassion are...
Can You File Bankruptcy or a Consumer Proposal Online in Canada? Here’s How It Works
If you live in a smaller town or rural community, you may be wondering: Do I have to drive hours to meet with a Licensed Insolvency Trustee (LIT)? Can I file bankruptcy online in Canada? Is it possible to complete a Consumer Proposal by phone or video? The good news...
Meet Crystal D. Buhler: A Trusted Licensed Insolvency Trustee Helping Canadians Rebuild
When facing overwhelming debt, one of the most important decisions you can make is choosing the right professional to guide you through the process. At C. Buhler & Associates Ltd (www.debtfreenorth.com), we believe that expertise, integrity, and compassion are...
How Do Landlords Check Credit? A Guide For Canadian Renters
Credit card debt can pile up faster than you realize, especially when you're only making minimum payments. If your financial situation feels overwhelming, you’ve come to the right spot. Many Canadians are facing the same struggle and wondering if there’s a way out....
C. Buhler & Associates Ltd. President Honoured As FCPA By CPA Manitoba
WINNIPEG, MB: Crystal Buhler, FCPA, FCGA, CIRP, LIT, and President of C. Buhler & Associates Ltd., was recently honoured with the prestigious designation of Fellow Chartered Professional Accountant (FCPA) by Chartered Professional Accountants (CPA) Manitoba. The...