How to Avoid Bankruptcy by Filing a Consumer Proposal The following is a case study of a client who came to our office recently. She was seeking help with her financial situation. Amanda Murray (not her real name) initially considered bankruptcy as her only option. Her numerous debts were causing considerable stress and anxiety, and...Continue reading
WHAT IS HOLDING YOU BACK FROM GETTING FINANCIAL HELP? FEAR Unfortunately, this is one of the main reasons that someone experiencing financial difficulty, continues to struggle for years before seeking help. Fear of what will happen to them personally. Fear of losing everything they own, especially their home. If you are indeed struggling financially and...Continue reading
Debt Consolidation vs. Debt Settlement I am often contacted by clients wanting to know the difference between Debt Consolidation and Debt Settlement/Debt Restructuring. In today’s column, we will explore the difference between the two: Debt Consolidation can often be an excellent way for a person, carrying too much unsecured debt, i.e., credit cards, lines of...Continue reading
The Credit Card Debt Two Step There’s a new dance craze sweeping the country and it has everyone shuffling to a new beat. But the longer you’re on the dance floor the harder it is to keep in time. It’s a whirling dervish of movement that leaves you dizzy, disoriented and on edge. It’s the...Continue reading
Filing a Consumer Proposal Changed My Life A Client`s Story Debt is a burden. It weights you down and keeps you from living your life. It makes you vulnerable. It keeps you from being able to take care of yourself. People underestimate the ways in which debt can keep you from living your life. Few...Continue reading
How to deal with overwhelming car debt! Quite often we hear from people who say: “I don’t have that much credit card debt, but my vehicle debt is killing me!” It’s not unusual for us to see folks who are paying $800 to $1000 per month or more for a vehicle and that doesn’t include...Continue reading
Judy’s Story of Hope………. When I first met with Judy, her first words to me were, “I know you can’t help me but I’ve tried everywhere else and you are my last hope.” She went on to tell me that she had been turned down by her bank for a consolidation loan and had been...Continue reading
LET’S DISCUSS DEBT RESTRUCTURING You’ve stretched your credit cards to the absolute limit, you’ve borrowed money time and again to pay off bill after bill, and perhaps you’ve gone to the wall on a line of credit. In short your household debt is completely out of your control. Your money is in charge of you,...Continue reading
Debt Settlement: A Permanent Vacation from your Debt All summer long you’ve listened to friends tell you about their fabulous vacations. They’ve blogged about grand adventures, posted pictures of amazing escapades, and regaled you with humorous antidotes about that time they did that thing. And when they get around to asking about your summer, you...Continue reading
Personal Debt: The house guest who won’t leave You’ve tried to be polite. You’ve dropped subtle hints. You’ve even short sheeted the bed in the guest room. But still, you’re stuck with a guest who refuses to leave. A once welcome friend or family member who now eats all your food, runs up your phone...Continue reading
