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4 Pillars Articles

Debt Relief Options for Canadian Immigrants: A Full Guide

By Paul Murphy

With overly complex language and a lack of early education, it’s no surprise that so many Canadians are financially illiterate and struggling with debt. Navigating Canada’s debt industry is already difficult for Canadian-born debtors, let alone immigrants living in Canada for the first time. That’s why we’ve created this article specifically for Canadian immigrants who … Continue reading Debt Relief Options for Canadian Immigrants: A Full Guide

Will a Consumer Proposal Affect My PR Application in Canada?

By Paul Murphy

A consumer proposal is a legal debt relief solution in Canada, governed and regulated by the Bankruptcy and Insolvency Act. A consumer proposal will impact your credit report — but the proposal itself, as well as its credit impact, won’t lead to immigration issues. Canadian immigration authorities do not consider your credit score or past … Continue reading Will a Consumer Proposal Affect My PR Application in Canada?

What Credible Companies Help with Debt in British Columbia?

By Paul Murphy

When facing unbeatable debts, it’s not a bad idea to reach out to a debt relief company. A debt help professional can help you explore your options for repayment, such as debt consolidation, consumer proposals, and debt management plans.  However, it can be difficult to know who to trust when it comes to debt solutions. … Continue reading What Credible Companies Help with Debt in British Columbia?

Is there a Government Approved Debt Relief Program in Ontario?

By Paul Murphy

What government approved debt relief programs are there in Ontario and how can they help you pay off your debts? The short answer is…there’s very few. But what is there can be really effective for reducing your debts and making repayment possible. Nevertheless, they don’t come without drawbacks.   In this article, we will explore what … Continue reading Is there a Government Approved Debt Relief Program in Ontario?

Can my Credit Card Debt be Forgiven in Victoria?

By Paul Murphy

Victoria has one of the highest credit card debts per capita in Canada, at an average balance of $12,874, but can this debt be forgiven? Debt forgiveness is a best case scenario for most Canadians in debt, but it’s not easy to find. This article will cover what debt forgiveness is and whether your credit … Continue reading Can my Credit Card Debt be Forgiven in Victoria?


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