Most consumer debt can be classified into two types, secured and unsecured. This can be useful to know what type your debt is when you are considering bankruptcy.
Black Friday deals are just aroudn the corner. If Black Friday is an event that you usually take part in, it may be time to re-evaluate your participation as it may just be a ploy that will push you further and further into debt.
How does making a consumer proposal affect your TFSAs and RRSPs? With a consumer proposal, you get to keep your assets, which includes your tax free savings account and your RRSPs.