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

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

Why High Credit Card Debt should be Restructured Urgently Many Canadians struggle with credit card debt each year and often do not act quickly enough to restructure this debt and avoid financial disaster. Why is credit card debt so financially crippling? It`s all down to the interest and how it is calculated. Most people are...Continue reading

Debt Settlement – Time for your Wake Up Call. Aren’t you tired of it all?  The nagging worry… The excuses …The shame.  If living with debt is a nightmare you can’t escape, this is your wake up call. Hitting the Snooze Alarm You’ve tried managing your debt.  Making your minimum payments.  Taking out an extra...Continue reading

4 Pillars Personal Debt Restructuring – Growing up in Debt  Cara got her first credit card when she was in University.  They were practically giving them away back then.  It was followed by a popular department store card and another credit card.  By the time she graduated, Cara was carrying a small credit card debt. ...Continue reading

The Costs of Doing Nothing Debt is the single biggest threat to our financial future, yet it is the most overlooked piece of every financial plan. Excessive debt is a problem that many Canadians have to handle. All too often though people put off dealing with it because they either don’t know where to turn...Continue reading

When Settling is NOT a bad thing. There comes a time in everyone’s life when you consider lowering your standards and settling for what’s in front you.  Though not recommended for dating, when it comes to your personal debt, sometimes SETTLING is the beginning to your ‘happily ever after’. Flirting with Disaster As your debt...Continue reading

Debt Help – It’s not a game of chance. Is that a winning lottery ticket burning a hole in your pocket?  No it’s not.  So another jackpot has come and gone, you’re still in debt and someone else is claiming your prize.  Maybe it’s time to change games.  Perhaps you should take a chance on...Continue reading

Debt Restructuring Myths vs Facts Recently I have met a number of people who have been hesitant to file a consumer proposal because they have done their own research and are scared of the process.  There is a plethora of information available on the internet however deciphering fact from fiction can be quite a significant...Continue reading

Must your credit rating be protected at ALL costs? We live in a society of credit. Don’t agree, try renting a car, checking into a hotel or making an on-line purchase without a credit card. Banks almost force us to use credit because they know a large percent of people will not pay the account in...Continue reading