How Working in the Best Interests of the Debtor Produced a Debt Consolidation for the Ages In January 2014 I met with a gentleman who I immediately realized was extremely cheerful by nature. I don’t want to use his real name, so let’s call him Jerry. It’s a good thing Jerry was naturally cheerful as...Continue reading

Naughty or Nice? No need to be Scrooge but have a Christmas Budget? 1. Determine how much money you can realistically spend (make a budget) 2. Make a Christmas present list and assign $ value…example: Children = $100, Friends = $20, Decorations = $100 Food  = $200 3. DON’T SPEND MONEY YOU DON’T HAVE 4....Continue reading

In 2014, I met a Kitchener resident who was facing such terrible financial difficulties that they were considering filing a bankruptcy through a trustee. The individual was highly educated but had recently become unemployed after buying a new home. She also had an older unreliable vehicle that was costing more to fix than what it...Continue reading

This is the true story of a man who lost his business and fell deep into debt. We asked him to tell his story. These are his words which we’ve left unedited.  This is an on-going story. You can read month one here.  In March, I had to close my advertising agency and let all my...Continue reading

This is the true story of a man who lost his business and fell deep into debt. We asked him to tell his story. These are his words which we’ve left unedited.  This is an on-going story. You can read month one here.  As 50-year old recently separated dad with a mountain of debt and...Continue reading