Blog Posts

Stop Paying Your Creditors

People are always surprised when I tell them to stop paying their creditors.

August 3, 2014

Consumer Proposals, Bankruptcy, Collection Agencies

What happens when negotiating a consumer proposal?

When you meet with us, we will help you decide if this is the best option for you. The next step is negotiating the consumer proposal.  When negotiating a consumer proposal, here are a few things you can expect: 

July 31, 2014

Consumer Proposals, Collection Agencies

My relationship break-up has put me into debt - what can I do?

BONNIE ASKED: I am getting out of an abusive relationship. I don't have money to pay any of the collection notices I have gotten. What should I do? 

June 23, 2014

Consumer Proposals, Bankruptcy, Debt and Relationships, Collection Agencies, Wage Garnishment

Can I go to jail for owing money?

This is a very honest question and we're grateful that someone asked it so that we could put their mind at ease. Your creditors cannot put you in jail for owing money.

June 2, 2014

Consumer Proposals, Bankruptcy, Collection Agencies, Wage Garnishment

Myth Vs. Fact: Collection Agencies

Myth: If you file a consumer proposal your creditors will continue collection action.Fact: When you file a consumer proposal all creditor collection action is stopped immediately.

May 21, 2014

Consumer Proposals, Bankruptcy, Collection Agencies, Wage Garnishment

What Happens When You Go Bankrupt

Once you file for bankruptcy, all creditor action stops.

April 24, 2014

Bankruptcy, Asset Concerns, Collection Agencies, Wage Garnishment

If It Sounds Too Good To Be True...

This article is provided by Family Services Perth-Huron, a United Way member agency and an accredited member of both the Ontario and Canadian Associations of Credit Counselling Services. If It Sounds Too Good To Be True... By Phil Brown

April 7, 2014

Credit Counselling, Collection Agencies, Rebuilding Credit

How do you pay back accumulated debt owed to a Collections Agency?

BEN ASKED: I have a lot of debt that's gone to collections but that was a few years ago. How do I go about paying it all back?

April 6, 2014

Collection Agencies

Repaying Tax Debt

Government debts including income tax, HST and payroll source deductions are no different than any other debts you may owe.

January 30, 2014

Consumer Proposals, Bankruptcy, Business Concerns, Collection Agencies, Government Debt