Search: “consumer proposal”

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CONSUMERS PROPOSAL COMPANIES IN TORONTO

Post author By Ira Smith
Post date September 23, 2019

If you would prefer to listen to an audio version of this Brandon’s Blog, please scroll to the bottom and click on the podcast What is a consumer proposal? I have written Brandon’s Blogs before on the topic of consumer proposals. Recently, I have heard some people refer to them as “consumers proposal”. Placing the […]

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CONSUMER CREDIT PROPOSAL: HOW OUR CASHLESS SOCIETY CAN LEAVE YOU PENNILESS

Post author By Ira Smith
Post date January 25, 2016

Going cashless may drive you to a consumer credit proposal The good news is that Canadian consumers have more credit, debit and app options than ever before. The bad news is that going cashless makes it easier to overspend and as a result, before you know it, you could be in serious financial trouble. A […]

Tags Apple Pay, cashless society, consumer credit proposal, Credit, credit card, debit, financial trouble, mobile apps

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WHY DID ROYAL BANK CLOSE MY ACCOUNT SUDDENLY? OUR COMPLETE GUIDE FOR CANADIAN CONSUMERS & ENTREPRENEURS ON BECOMING UNBANKED

Post author By Ira Smith
Post date October 13, 2025

The Shocking Reality: When Royal Bank Suddenly Closes Your Door Picture this: You’ve banked with RBC Royal Bank of Canada (RBC) for decades. Your paycheque goes there. Your mortgage payments come out automatically. Your company’s business runs through its accounts. Then one day, you get a letter that changes everything. The last thing you asked […]

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A CANADA TRUSTEE’S COMPLETE VIEW OF CANADA’S ‘TWO-SPEED’ ECONOMY: WHY CONSUMER INSOLVENCIES ARE SOARING WHILE CORPORATIONS AREN’T

Post author By Ira Smith
Post date September 15, 2025

The economy, much like a highway during rush hour, can move at different speeds. For some, it’s a smooth, open road. For others, it’s a gridlock of financial stress and mounting debt. As a Canada Trustee, I just read the new 2024-25 Annual Report from the Office of the Superintendent of Bankruptcy (OSB). It shows […]

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CONSUMER CREDIT COUNSELING CANADA: OUR COMPLETE GUIDE ON COSTS, BENEFITS & ALTERNATIVES

Post author By Ira Smith
Post date September 8, 2025

Are you struggling with debt and feeling overwhelmed by financial stress? Consumer credit counseling might seem like the answer, but recent government investigations reveal that some debt advisory services may cost you more than they save. As a Licensed Insolvency Trustee serving Toronto, Mississauga, Brampton, and Markham for decades, I’ve helped many people in the […]

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CONSUMER CREDIT COUNSELING ONTARIO: THE LICENSED INSOLVENCY TRUSTEE COMPLETE GUIDE TO LEGITIMATE DEBT HELP

Post author By Ira Smith
Post date June 23, 2025

Consumer Credit Counseling: Introduction Are you drowning in debt and don’t know where to turn? You’re not alone. Millions of Canadians struggle with overwhelming debt every year. The good news is that consumer credit counseling can help you get back on track. But here’s the problem: not all debt advice is created equal. Some companies […]

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CONSUMER DEBT: OUR COMPREHENSIVE GUIDE HELPING YOU NAVIGATE THE EMOTIONAL WATERS

Post author By Ira Smith
Post date November 25, 2024

Consumer debt: Introduction Every day, I encounter people—both consumers and entrepreneurs—who are wrestling with the ever-looming shadow of financial anxiety. You know the type: those who can’t remember the last time they had a peaceful night’s sleep, thanks to the chorus of bills and debts serenading them from their nightstands. This personal rollercoaster got me […]

Tags access to credit, auto loan, consumer debt, Consumer Proposal, cost of living, credit card debt, credit counsellor, credit products, credit score, financial health, financial pressures, high interest rates, housing market, Lines of Credit, minimum payments, payday loans, personal loans, Statistics Canada, student loans

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FEDERAL BUDGET 2023 AND PREDATORY INTEREST RATES: WHAT EVERY ENLIGHTENED CONSUMER MUST KNOW

Post author By Ira Smith
Post date April 17, 2023

Interest rates: Introduction From the 2023 Federal Budget, the Canadian federal government has garnered significant attention for its proposed measures regarding interest rates on predatory loans. This initiative has been lauded by activists as a commendable effort towards safeguarding consumer interests, promoting financial inclusivity, and antipoverty measures. The budget aims to oversee the financial sector […]

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CANADIAN CONSUMER DEBT: NEW REPORT SHOWS COVID-19 INSPIRES INCREASE IN CANADIAN MORTGAGE DEBT

Post author By Ira Smith
Post date December 2, 2020

The Ira Smith Trustee Team is absolutely operational and Ira, in addition to Brandon Smith, is readily available for a telephone consultation or video meeting. We hope that you and your family are safe and healthy. Canadian consumer debt introduction On November 30, 2020, Equifax Canada reported that total Canadian consumer debt climbed 3.8% to […]

Tags average debt, bank of canada, Canadian consumer debt, Canadian household debt, consumer credit, credit card debt, debt levels, debt service ratio, debt-to-income ratio, delinquency rates, Equifax Canada, household average debt, household debt, Ira Smith Trustee, Lines of Credit, mortgage debt, mortgage deferrals, non-mortgage debt

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THE EASIEST WAY TO ACTUALLY LIKE WHAT IS A DIVISION i PROPOSAL ONTARIO

Post author By Ira Smith
Post date October 28, 2019

If you would prefer to listen to an audio version of this what is a division i proposal Brandon’s Blog, please scroll to the bottom and click on the podcast Introduction Over recent times, I have been receiving increased inquiries as to what is a division i proposal. The purpose of this Brandon’s Blog is […]