Search: “consumer proposal”

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SECURED CREDIT CARD

Post author By Brandon Smith
Post date April 24, 2014

A secured credit card functions in the same manner as a regular credit card. The only exception being that the card is secured by the amount of deposited funds that remain safeguarded in the institution where the individual acquires the card. The card looks like a regular credit card and acts like a traditional credit […]

Tags alternatives to bankruptcy, avoid bankruptcy, bad credit, Bankruptcy, consumer proposals, credit card, credit counselling, credit history, credit scores, debt consolidation, financial health, financial history, licensed trustee, rebuilding credit, secured credit card, secured credit card offers, starting over starting now

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ALTERNATIVE LENDING INDUSTRY GROWS DUE TO A VACUUM OF FUNDING SOURCES

Post author By Brandon Smith
Post date April 22, 2014

Unfortunately there is a growing alternative lending industry that preys upon small businesses in need. Small businesses that need loans may be refused by traditional lenders who consider them too risky. Although they do provide loans, the alternative lending industry uses loan brokers which can double the cost of an already expensive loan. According to Bloomberg […]

Tags alternative investment, alternative lending, alternative lending industry, and Bankruptcy Application, Bankruptcy, banks, Consumer Proposal, Corporate Bankruptcy, insolvency, loan, loan brokers, online lending, Receivership & Bankruptcy, Restructuring & Turnarounds, Review & Monitoring, small business

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RECEIVERSHIP IN BANKRUPTCY – WHAT DOES THAT MEAN?

Post author By Brandon Smith
Post date April 17, 2014

For those looking at insolvency, you may have heard the phrase –receivership in bankruptcy – and wondered what it meant. This phrase is both inaccurate, and in the area of the Canadian insolvency process, yet still possible. Are you confused yet? What is the source of the confusion? Most likely, people confuse the job of […]

Tags avoid bankruptcy, Bankruptcy, bankruptcy alternatives, Bankruptcy and Insolvency Act, Canadian bankruptcy, Consumer Proposal, consumer proposals, credit counselling, Debt, debt consolidation, insolvency, licensed bankruptcy trustee, licensed trustee, receivership, receivership in bankruptcy, trustee

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NEED $2000 FAST – COULD YOU COME UP WITH IT?

Post author By Brandon Smith
Post date April 15, 2014

Need $2000 fast? Could you come up with it? We all know that we should have a rainy day fund, but how many of us actually do? In Ontario 60% of the population is living paycheque to paycheque so what do you think would happen if you need $2000 fast in 30 days for an emergency […]

Tags Bankruptcy, bankruptcy alternatives, consumer proposals, credit counselling, debt consolidation, living paycheque to paycheque, professional trustee, trustee

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NEGOTIATING DEBT VS BANKRUPTCY

Post author By Brandon Smith
Post date April 8, 2014

Negotiating debt vs bankruptcy. Of course you would not pick bankruptcy as your first choice. If you are considering the options of negotiating debt vs bankruptcy, you must be mired in serious financial difficulty and have few options available to you. You need the help of a professional, licensed trustee now! Don’t be seduced by the […]

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BANKRUPTCY TRUSTEE TORONTO: HELPING YOU STARTING OVER, STARTING NOW

Post author By Brandon Smith
Post date April 6, 2014

A bankruptcy trustee Toronto understands that insolvency and filing for bankruptcy can be a very distressing time in someone’s life. Many people feel like failures at this time and need to have someone to whom they can turn to help them understand their options. People filing for bankruptcy can choose a federally regulated bankruptcy trustee […]

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DEBT IS INCREASING IN CANADA ACROSS ALL DEMOGRAPHICS

Post author By Brandon Smith
Post date April 1, 2014

The last few weeks we’ve been discussing seniors in debt and baby boomers plagued with debt, but the sad reality is that debts are increasing in Canada across all demographics, and at alarming rates. In July 2013 we discussed how even high flyers can’t sustain the income to fund their lifestyles, so all demographics means the […]

Tags Bankruptcy, bankruptcy alternatives, bankruptcy trustee, consumer proposals, credit counselling, Debt, debt consolidation, living paycheque to paycheque, rich and famous, seniors in debt, seniors with credit card debt, trustee, wages

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SENIORS IN DEBT: SOLVE IT WITHOUT BANKRUPTCY

Post author By Brandon Smith
Post date March 18, 2014

Seniors in debt or baby boomers in debt, remains a hot topic of conversation and that’s no surprise considering the latest findings. Equifax reports that Canadian consumers continued to increase their debt burdens, but seniors in debt, being consumers 65 and older, had the greatest increase since last year. According to a new CIBC poll, 59% […]

Tags baby boomers, Bankruptcy, bankruptcy alternatives, Consumer Proposal, financial trouble, insolvency, professional trustee, seniors in debt, seniors trying to start over, seniors with credit card debt, should seniors file a consumer proposal, should seniors file a debt proposal to gain protection, toronto, trustee

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CREDIT CARD DEBT IS MORE THAN A 4-LETTER WORD

Post author By Brandon Smith
Post date March 4, 2014

Credit card debt. There’s a lot of discussion about it in the news these days and the news is all bad; but the reality is that there is good debt and bad debt. As you will read, debt, including credit card debt is more than a 4-letter word. However, no one is denying that debt […]

Tags bad debt, bad debt reduction, Bankruptcy, bankruptcy alternatives, bankruptcy faqs, Consumer Proposal, credit card debt, credit card debt relief, credit counselling, Debt, debt consolidation, good debt, Lines of Credit, trustee, trustee in bankruptcy

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JOINT ACCOUNTS: SHARING WITH YOUR SPOUSE IS GREAT, BUT NOT THIS

Post author By Brandon Smith
Post date January 22, 2014

In many instances, marriage vows would be more accurate if the phrase were changed to “Until debt do us part”. Sam Ewing Joint accounts: Introduction Sharing with your spouse is great, but not your PIN number or joint accounts. Some couples like to share everything in a marriage, but too much sharing, especially as […]

Tags Bankruptcy, bankruptcy alternatives, bankruptcy alternatives canada, co-signing a loan, consumer proposals, credit counselling, credit counsellors, debt consolidation, insolvency, joint accounts, PIN number, trustee, Vaughan, what credit counsellors do