Latest Posts

We were asked: How would divorce affect our consumer proposal?

When we meet with married couples, we always look at each spouse as an individual and the family as a whole. How would divorce affect a consumer proposal filed in Ontario?

June 12, 2013

Debt and Relationships, Consumer Proposals

We were asked: Does filing a consumer proposal affect my mortgage renewal?

This is a good question that highlights asset concerns when filing a consumer proposal.

June 7, 2013

Asset Concerns, Consumer Proposals

We were asked: What is the difference between debt consolidation and a consumer proposal?

We receive many questions regarding the difference between debt consolidation and a consumer proposal.

June 5, 2013

Consumer Proposals, Consolidation Loans, Rebuilding Credit

Ontario Students With OSAP Debt Often Seek Our Advice

Post-secondary debt blues in Ontario? You're not alone and we can help.

May 10, 2013

Consumer Proposals, Bankruptcy, Government Debt

A member of the Better Business Bureau with an A+ rating!

We value the trust of our clients and partners, which made it even more important to be a member of the BBB.

April 29, 2013

Consumer Proposals, Bankruptcy

How does filing a consumer proposal affect TFSA and RRSP investments?

When you file a consumer proposal you are able to keep ALL of your assets.

April 22, 2013

Consumer Proposals, Asset Concerns

Is bankruptcy the only option after making a consumer proposal in the past?

The basic rule is that you can only make one consumer proposal to any one group of creditors.

March 28, 2013

Consumer Proposals, Bankruptcy

What are the consequences of filing bankruptcy a second time?

If you've already filed personal bankruptcy once in Ontario, it's important to consider all your options before filing a second time. Going bankrupt for a second time damages your credit for much longer than a first bankruptcy.

March 25, 2013

Consumer Proposals, Bankruptcy, Rebuilding Credit