Blog Posts

How To Rebuild Your Credit Rating

Credit rating is a fluid concept and is always changing. No matter what you do, including filing personal bankruptcy or a consumer proposal, you can always rebuild your credit rating. How can I rebuild my credit rating?

May 29, 2014

Consumer Proposals, Bankruptcy, Rebuilding Credit

Myth Vs. Fact: Credit And Rebuilding

Myth: By filing personal bankruptcy, I will destroy my credit forever.

April 26, 2014

Consumer Proposals, Bankruptcy, Rebuilding Credit

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

Is it possible to pay off debt without affecting your credit rating and touching RRSP money?

CHRIS ASKED: How can I pay off my debt without damaging my good credit or touching the little RRSP I have? ANSWER: The only way to deal with your debt and maintain a good credit rating is to pay your creditors directly, in full, with interest.

March 28, 2014

Consumer Proposals, Bankruptcy, Asset Concerns, Rebuilding Credit

We were asked: What credit rating penalties would apply to our services?

We offer two main services: a consumer proposal, which is a formal debt settlement, and bankruptcy. Consumer Proposal and Credit Rating Penalties

March 26, 2014

Consumer Proposals, Bankruptcy, Rebuilding Credit

Repercussions Of A Joint Credit Card When Filing A Consumer Proposal

DYLAN ASKED: My credit card is in both mine and my dad's name. Will including that debt in a consumer proposal hurt his credit rating?

March 15, 2014

Consumer Proposals, Rebuilding Credit

When can I start rebuilding my credit?

You should start rebuilding your credit right away.

March 11, 2014

Rebuilding Credit

Is a spouse liable for my debt?

Your debts do not affect your spouse’s credit rating!

February 3, 2014

Consumer Proposals, Bankruptcy, Debt and Relationships, Rebuilding Credit

Digging Out Of Debt On Your Own

Dealing with your personal debt problems on your own without any professional assistance is the only way to maintain your current credit rating.

January 16, 2014

Collection Agencies, Wage Garnishment, Rebuilding Credit

Where can I get my credit report?

There are two credit reporting agencies in Canada: Equifax and Transunion

January 14, 2014

Rebuilding Credit