Articles from our experts.

Psychological and Financial Consequences of Being in Debt

By Paul Murphy

Debt Help, Debt in Canada, Financial Literacy

Consequences of Being in Debt You Didn’t Know About: Psychological and Financial Debt is an all-too-common burden for many individuals and families in Canada. While the financial pressures of debt are widely acknowledged, there are numerous lesser-known consequences that can significantly impact various aspects of your life, both emotionally and practically. In this article, we … Continue reading Psychological and Financial Consequences of Being in Debt →

How a Consumer Proposal and Bankruptcy Affect Your Tax Refund

By Paul Murphy

Bankruptcy, Consumer Proposal

Taxes and debt relief are two of the most complex aspects of Canada’s financial system. Going through a debt management process like a consumer proposal or bankruptcy is tricky as is, but it’s made even more difficult when considering how they change your tax filings and refunds. This blog will demystify the connection between a … Continue reading How a Consumer Proposal and Bankruptcy Affect Your Tax Refund →

Filing for Bankruptcy as a Renter in Canada

By Paul Murphy

Alternatives to Bankruptcy, Avoid Bankruptcy, Bankruptcy, Best Ways to Get Out of Debt, Uncategorized

Filing for bankruptcy is a difficult decision, but the decision is made even harder when you’re a renter. The ability to rent a place to live is very dependent on an individual’s credit history, with bankruptcy taking a major toll on one’s credit. As the cost of living has increased tremendously, more people in Canada … Continue reading Filing for Bankruptcy as a Renter in Canada →

How to Stop Wage Garnishment After It Starts in Canada

By Paul Murphy

Debt Help, Get Out of Debt

Facing wage garnishment is a stressful and overwhelming experience, adding strain and uncertainty to your already difficult financial situation. In Canada, creditors have the legal authority to garnish wages to recover unpaid debts. This means a set amount of money will be taken out of your paycheque and given to creditors each payday. If you’re … Continue reading How to Stop Wage Garnishment After It Starts in Canada →

How to Rebuild Your Credit in Canada with 12 Little-Known Actions (2025 Update)

By Paul Murphy

How to Rebuild Your Credit

20-year financial veteran Paul Murphy shows how to rebuild your credit in Canada, the mechanics of how credit ratings are calculated, and why missing a payment or two isn’t as large a factor in credit ratings as you might think. Today, I want to answer one of the biggest questions we get: how to rebuild my … Continue reading How to Rebuild Your Credit in Canada with 12 Little-Known Actions (2025 Update) →

4 Pillars Articles

Psychological and Financial Consequences of Being in Debt

How a Consumer Proposal and Bankruptcy Affect Your Tax Refund

Filing for Bankruptcy as a Renter in Canada

How to Stop Wage Garnishment After It Starts in Canada

How to Rebuild Your Credit in Canada with 12 Little-Known Actions (2025 Update)

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