There are many reasons why Canadians are struggling with debt and ultimately not avoiding bankruptcy. However it is widely agreed upon that lower interest rates have encouraged us to purchase big ticket items like cars and houses. The good news is that according to a CIBC report, personal bankruptcies have returned to pre-recession levels, to four […]
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Insolvency Meaning: Introduction In a vibrant economic environment where change is the only constant, legal and accounting experts have to be fluent in insolvency laws to be able to supply their clients with some basic advice they require to navigate tough financial situations. To use reliable guidance, lawyers and accounting professionals require a basic understanding […]
Credit card minimum payment crisis: Introduction In today’s high-interest setting, handling financial obligations has actually ended up being even more vital for people. With increasing rates of interest, it is necessary for Canadians to have a distinct budget plan as well as be mindful of their spending habits. By applying efficient strategies such as monitoring […]
What is a Canadian tax refund? In April, Canadians must pay their income tax liability for the prior year and when most Canadians file their income tax returns. Getting a Canadian tax refund can be an amazing experience for numerous Canadians. It’s like obtaining an unexpected reward from the federal government. The idea of having […]
We hope that you and your family are safe and healthy. 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. If you would prefer to listen to the audio version of this consumer proposal versus bankruptcy Brandon’s Blog, please […]
If you would prefer to listen to the audio version of this financial literacy Brandon’s Blog, please scroll to the bottom and click on the podcast Introduction When I was in high school, I was very fortunate. I thankfully took two accounting courses, in addition to the normal reading, writing and arithmetic. It was in […]
What is a good credit score in Canada: Introduction I have previously written reviews of the two main companies that can give you your credit score for free in Canada. The two are Credit Karma Canada and Borrowell. It is one thing to know what your credit score is. But what does that number mean? […]
Rebuilding credit Canada: Introduction After fully completing a consumer proposal or receiving a discharge from bankruptcy, it is important to start immediately rebuilding credit Canada. The purpose of this Brandon’s Blog is to provide you with our foolproof and painless 3 step plan to eliminate those negative credit checks and fix your credit trouble by rebuilding credit Canada. Rebuilding credit Canada: Step 1 – […]
After bankruptcy discharge Canada: Introduction The purpose of my blog is to provide ideas and suggestions on how a person can fulfill one of the aims of the Canadian insolvency system. That is to carry out successful financial rehabilitation and live profitably and happily after bankruptcy discharge Canada. After bankruptcy discharge Canada: You are not […]
Alternative mortgage lenders Canada: Introduction Alternative mortgage lenders Canada have now made sure that mortgages and loans are no longer the exclusive domain of banks and other brick and mortar financial institutions. Fintechs (financial technology companies) have changed the game in the same way that Uber disrupted the taxi industry. In fact banks who don’t […]