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:  Help from your trustee. From the very beginning, your trustee will be there to guide and…
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The Truth About Debt Consultants

Are you one of the many unlucky Canadians who have received phone calls from creditors promising to settle your debts? Or have you been intrigued by the TV and radio advertisements claiming a government program will reduce your debts if you call NOW? These ads and phone calls are from debt consultants (or telemarketers working…
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Credit Card Companies Love Students

I remember the first time I used my credit card to order pizza. All I had to do was give the guy my credit card number and magically pizza showed up at my house. As a student, I didn’t really have to apply for the credit card. The card was basically given to me and…
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Dealing With Your Debt Doesn’t Have To Be Scary

Are debt issues scaring you most this Halloween? If the things you’re most afraid of this Halloween are dealing with collection calls or opening creditor letters, it’s probably time to get some help with your personal debt problems. Meeting with a trustee isn’t scary and most people are shocked to find out how simple filing…
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How can I find out what it says on my credit check?

NANCY ASKED: When the bank says we have to do a credit check, is there any way I can find out what this says prior to the bank? ANSWER: When the bank says that they are going to do a “credit check” what they are referring to is your credit bureau report. There are two main…
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How To Tell If A Debt Collector Is Legitimate

Do you dread that angry voice on the phone demanding you pay your debt? If you’ve ever received that phone call, it can definitely be a nerve-racking phone call. But what if you don’t recognize the debt or the collector? Before you apologize or promise to pay, make sure it’s actually your debt! Just because…
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Being threatened with wage garnishment? What exactly does that mean??

If you owe money to your creditors and do not make payments your creditors may take legal action against you. The result of this legal action is something called a judgment. A judgment is a court order that allows your creditors to deduct payments directly from your wages and to seize assets, otherwise known as wage garnishment….
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