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4 Pillars Articles by Paul Murphy

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

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?

Debt options in Canada: Know the sharks, beat the game

By Paul Murphy

Table of Contents This blog covers every debt relief option available in Canada, but you can skip to a specific section using the links below. Why you should never accept the first debt relief option Meet the players in the debt game Non-profit credit counsellors Informal Settlement Consumer Proposals The debt option nobody talks about: … Continue reading Debt options in Canada: Know the sharks, beat the game

The Simple and Essential Guide to Debt Consolidation in Barrie

By Paul Murphy

Debt Consolidation. It’s a term which tends to cause a lot of concern and confusion. We are commonly asked: “is debt consolidation a scam?”, “how does debt consolidation affect your credit?”, “should I do it?”. The truth is, most Canadians don’t really understand debt consolidation, or how it can make paying off debt easier.  In … Continue reading The Simple and Essential Guide to Debt Consolidation in Barrie

Filing for Bankruptcy as a Renter in Canada

By Paul Murphy

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


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