During the pandemic, it seems as though Canadians have been given a pass on monthly bill payments. So can bill collectors still call during Covid-19? The government, as well as the banks and lenders, are, thankfully, offering all types of…
Are you in need of debt solutions? Perhaps you lost your job or you simply don’t make as much money as you did in the past. Maybe you have unexpectedly high expenses from an illness or other emergency. For whatever…
Debt Consolidation vs Bankruptcy: Which is Better? Are you weighing the pros and cons of debt consolidation vs bankruptcy in Ontario? wondering which is better? Maybe it’s time to take a closer look at the options. What is Debt Consolidation?…
Personal bankruptcy is a legal process that will get rid of your debts. However, there are a handful of things, like child support and recent student loans, that do not go away. When you file personal bankruptcy in Ontario,…
How Much Do You Need for a Money Emergency No matter how little cash you have, you need to plan for a money emergency. And that plan should NOT include a cash advance. Or calling anyone who’s on your mobile…
Wondering how to know if you are insolvent? Here are a few clues: You’ve used cash advances to pay bills. You’ve visited the payday loan store. You’ve been hit with over limit charges on your card. You’ve had your…
It’s Financial Literacy Month and this is the finale of a two-part series to help learn how to take charge of your finances. You can read Learn How to Take Charge of our Finances Part I here. In the previous…
It takes focus and determination to graduate from university - and you’ll need to rely on these same traits to repay your OSAP student loans. That’s because if you’re anything like most Canadian university and college students, you’ve had to…
2500 years ago Greek philosopher Heraclitus said we should “expect the unexpected”. Clever eh? But what the heck does it mean? How can you expect the unexpected? Actually, insurance companies do it all the time. Their fancy-schmancy mathematicians calculate the…
If you’re planning on filing for bankruptcy, you’ve got a lot on your mind. Worrying about job loss shouldn’t be adding to your list of concerns. One of the most common questions people have when they first contact us is,…
