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PROS AND CONS OF BANKRUPTCIES CANADA: A HEALTHY FRESH START OR THE LAST RESORT?

Post author By Brandon Smith
Post date October 31, 2022

Evaluating the pros and cons of bankruptcies Canada: Introduction When you are in debt, it can feel like you are stuck in quicksand – the more you struggle, the deeper you sink. If you are considering bankruptcy, you are not alone. According to the Office of the Superintendent of Bankruptcy (OSB), almost 100,000 Canadians filed […]

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WHAT DOES BANKRUPTCY DISCHARGED MEAN FOR 1 BANKRUPTCY TRUSTEE AND SOMEONE WHO IS SERIOUSLY BANKRUPT?

Post author By Brandon Smith
Post date October 28, 2021

We hope that you and your family are safe, healthy and secure during this COVID-19 pandemic. Ira Smith Trustee & Receiver Inc. is absolutely operational and Ira, in addition to Brandon Smith, is readily available for a telephone consultation or video meeting. What does bankruptcy discharged mean: Restrictions placed on undischarged bankrupts By enabling […]

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SAVING FOR AN EMERGENCY FUND: HEALTHY SIMPLE STEPS TO MAKE SURE YOU HAVE MONEY TO DEAL W1TH AN EMERGENCY EXPENSE

Post author By Brandon Smith
Post date August 30, 2021

We hope that you and your family are safe, healthy and secure during this COVID-19 pandemic. Ira Smith Trustee & Receiver Inc. is absolutely operational and Ira, in addition to Brandon Smith, is readily available for a telephone consultation or video meeting. If you would prefer to listen to an audio version of this Brandon Blog, […]

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FROZEN BANK ACCOUNT: DISCOVER MY RUNDOWN OF WHAT RIGHTS YOU HAVE AND WHAT YOU NEED TO DO NEXT

Post author By Brandon Smith
Post date April 19, 2021

We hope that you and your family are safe, healthy and secure during this coronavirus pandemic. Ira Smith Trustee & Receiver Inc. is absolutely operational and Ira, in addition to Brandon Smith, is readily available for a telephone consultation or video meeting. If you would prefer to listen to the audio version of this Brandon […]

Brandon Blog Post

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

Post author By Brandon 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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TO DEBT DO US PART BUT I CAN’T PART WITH MY LIFE-CHANGING COVID-19 ECONOMIC RESPONSE PLAN

Post author By Brandon Smith
Post date July 29, 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. To debt do us part introduction To debt do us part many times is confused with Til Debt Do Us Part. That of course was the Canadian television series created […]

Tags 2019 income taxes are due, canada emergency business account, canada emergency wage subsidy, canada emergency wage subsidy cews, ceba, cerb, cews, cews extension, COVID-19 Economic Response Plan, covid-19 pandemic, emergency fund, federal coronavirus relief loans, household debt, household debt to income, mergency reserve, Temporary 10% Wage Subsidy, til debt do us part, to debt do us part

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THE CONTROVERSIAL QUEBEC PLAN TO REDUCE CREDIT CARD DEBT IN CANADA

Post author By Brandon Smith
Post date June 10, 2020

The Ira Smith Team is absolutely operational and Ira, in addition to Brandon Smith, is readily available for a telephone consultation or video meeting. Stay healthy, well balanced and safe and secure everyone. Credit card debt in Canada introduction Yesterday I received my current credit card statement in the mail. I scanned the pages and […]

Tags average canadian household debt 2020, average line of credit debt in canada, Bankruptcy, bankruptcy trustee, consolidate debt, consolidation loan, Consumer Proposal, credit card debt, credit card debt in canada, credit card usage in canada, Debt, division 1 proposal, Ira Smith Trustee, licensed insolvency trustee, total credit card debt in canada, unpaid credit card debt, unpaid credit card debt consequences canada

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CANADIAN CENTRE FOR POLICY ALTERNATIVES SAYS JOB AND ECONOMIC INSECURITY AFFECTING PROFESSIONALS

Post author By Brandon Smith
Post date August 27, 2018

Canadian Centre for Policy Alternatives: Introduction A survey released by the Canadian Centre for Policy Alternatives (CCPA) of one thousand Canadian professionals found that 20% are in precarious jobs. It’s not a surprise that job and economic insecurity is affecting professionals across the country when almost 50% of workers are living paycheque to paycheque (Canadian […]

Tags Canadian Centre for Policy Alternatives, economic insecurity, economy, Employment, Global workforce, Ira Smith Trustee & Receiver Inc., job insecurity, Job security, living paycheque to paycheque, payday loan, precarious jobs, precarious professionals, Precarious work, retirement plan, sick days

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BUILDING AN EMERGENCY SAVINGS FUND: WE ALL NEED AN EMERGENCY FUND TO PROTECT OUR RETIREMENT

Post author By Brandon Smith
Post date December 25, 2017

Building an emergency savings fund: Introduction Many of us go about living our lives without giving any thought to building an emergency savings fund. After all, we live in the land of socialized medicine, so unlike our American neighbours, we won’t be ruined by medical expenses. If we need to come up with some cash […]

Tags building an emergency savings fund, emergency fund, emergency savings, Ira Smith Trustee, living paycheque to paycheque, retirement income, retirement savings, sears, unexpected expenses

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DEBT ELIMINATION: ARE YOU SABOTAGING YOUR WEALTH BY SAVING AND REDUCING DEBT?

Post author By Brandon Smith
Post date September 11, 2017

Debt elimination: Introduction What’s more important – saving or reducing debt? Should I focus on debt elimination or invest excess funds? Should I invest or reduce debt. These are age-old questions that I’m frequently asked and there isn’t a one-size-fits-all answer. Let’s get back to basics and figure out what your income and expenses are […]

Tags budget, credit card debt, credit counselling, debt elimination, emergency fund, fixed expenses, high interest debt, Ira Smith Trustee, optional expenses, payday loans, saving and reducing debt, should i invest or reduce debt, variable expenses