4 Pillars | Articles

I’m an International Student in Debt in Canada: What Do I Do?

By Paul Murphy

Debt Help

International students have special considerations to keep in mind when holding debt within Canada. This article will answer all of the common questions asked to us by international students. Learn how to best recover from high debts before returning to your home country and/or beginning work. How International Students Get in Debt International students pay … Continue reading I’m an International Student in Debt in Canada: What Do I Do? →

Can You Include Student Loans in a Consumer Proposal?

By Paul Murphy

Consumer Proposal

Student loans are a serious undertaking, especially for those fresh out of college. Student loans like OSAP total to over $20,000 per student on average, making repayment long and difficult. Over 77% of Canadian graduates over 40 say they regret taking out their student loans. When someone finds themselves unable to repay their loans, one … Continue reading Can You Include Student Loans in a Consumer Proposal? →

Will a Consumer Proposal Affect My PR Application in Canada?

By Paul Murphy

Consumer Proposal

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? →

Can my Credit Card Debt be Forgiven in Victoria?

By Paul Murphy

Debt in Canada

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? →

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

By Paul Murphy

Debt in Canada, Debt options, Debt Reduction

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 →

Tag: 4 Pillars

I’m an International Student in Debt in Canada: What Do I Do?

Can You Include Student Loans in a Consumer Proposal?

Will a Consumer Proposal Affect My PR Application in Canada?

Can my Credit Card Debt be Forgiven in Victoria?

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

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