Canada mortgage stress test: Introduction Suggested changes from the Office of the Superintendent of Financial Institutions (OSFI) have left people with some misunderstandings about the Canada mortgage stress test. The idea is a little frightening to a lot of people. So I wanted to give this information to hopefully settle a lot of nerves. Canada […]
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Bankruptcy discharge introduction A bankruptcy discharge is when the bankrupt is released under Canadian bankruptcy law from his or her debts as part of the bankruptcy process. Some people think that it is the act of filing bankruptcy that releases the bankrupt from liability. This is not the case. It is the discharge from bankruptcy process […]
I need financial help right now: Introduction Nobody expects their home to be destroyed or to receive a serious disease medical diagnosis. When emergencies like these do occur, unexpected expenses lead to economic tension. You’re forced to see the bills consume up any financial savings you might have had. You will no doubt be saying […]
Early Warning Signals Of Financial Problems: Introduction I wanted to write about the early warning signals of financial problems in companies. The reason is the one point I hate the most is seeing businesses marketing their products and services to others just not to be paid. The initiative you put into the sales funnel as […]
Current insolvency assignments: Introduction One of our current insolvency assignments teaches creditors a valuable lesson if they wish to take part in a debtor’s restructuring proposal. Every licensed insolvency trustee maintains a website listing their current insolvency assignments that are noteworthy or of public interest. Today I want to tell you about a recent case […]
Debt Relief Program vs Bankruptcy: Introduction We keep hearing commercials about debt relief and their scare tactics of portraying the safety of a debt relief program vs bankruptcy. But, what is debt relief? And can some of these so-called debt relief companies actually put you deeper into debt? Debt Relief Program vs Bankruptcy: Are They […]
financial resolutions worth keeping Financial resolutions worth keeping: Happy New Year to all of our readers! The new year is the season of making resolutions, but more often than not it is very difficult to keep new year’s resolutions. The most common resolution year over year is losing weight. How about if this year you […]
Identity theft horror stories: Introduction There always seems to be identity theft horror stories coming out right after the holiday shopping season. The holidays may be a time of good cheer, but for others who’ve been victimized by fraudsters and identity thieves, it can be a nightmare. Earlier in the month we posted a blog […]
[monkeytools msnip=”http://monkeyplayr.com/playr.php?u=5173&p=20961″] Credit report Ontario: Introduction My Brandon’s Blog describes a Court decision that if you owe money, even if it is too late for you to be sued, it can still show up on your credit report Ontario. This is a very interesting case from the Court of Appeal for Ontario for consumers and […]
Debt management spreadsheet: Download ours for free at the bottom of this blog T’is the season to be jolly but it’s also the season that can have you taking on debt you can’t afford. If you have too much debt before you begin your holiday spending, you could make use of our debt management spreadsheet. […]