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Tag: Consumer Proposals

Consumer Proposal for Business Owners: What You Should Know

By Paul Murphy

A consumer proposal is an incredibly valuable tool for relieving your debts. You can have some of your debts forgiven without enduring the same financial repercussions as a bankruptcy. However, as many Canadians kickstart their own small businesses, it becomes harder to understand what debts qualify for a consumer proposal. Popular questions we get are … Continue reading Consumer Proposal for Business Owners: What You Should Know

How will a Bankruptcy or a Consumer Proposal affect your credit rating?

By Darrell Pauls

How will a Bankruptcy or a Consumer Proposal affect your credit rating? If you are searching for answers to your debt problems, you may have looked into bankruptcy or a consumer proposal. You might know a little about what each of those options can do for you, but how do they impact your future credit … Continue reading How will a Bankruptcy or a Consumer Proposal affect your credit rating?

How a Consumer Proposal and Bankruptcy Affect Your Tax Refund

By Paul Murphy

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

How to Stop Wage Garnishment After It Starts in Canada

By Paul Murphy

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

Can I Start a Consumer Proposal If My Debt is Co-Signed?

By Paul Murphy

If your debts are too high for you to pay off, a consumer proposal may be a vital avenue to starting a debt-free life — however, many are cautious about starting a consumer proposal when their debts are co-signed. Can you start a consumer proposal if the debt is co-signed? Will the co-signer be forgiven … Continue reading Can I Start a Consumer Proposal If My Debt is Co-Signed?


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