Displaying results for:
My Debts Are Gone – Now What?
04/06/2019
Linda Paul
Credit Counselling
Congratulations, you have successfully finished your Bankruptcy or Consumer Proposal! You took control of your financial life and solved your debt issues. Now what?
Read More arrow_forwardYour Credit Report And Credit Scores
17/05/2019
Credit Counselling
Your credit record contains information reported by various lenders — including credit card issuers, banks and mobile phone companies — detailing when you opened your account, how much you owe, your payment history, if and how frequently you...
Read More arrow_forwardPaying Off Debts With Creditors
06/05/2019
Credit Counselling
Nobody applies for a credit card, loan, mortgage or car payment with the intention of not repaying those debts.
Read More arrow_forwardWhat Happens At The Second Counselling Session?
02/10/2018
Credit Counselling
Remember Simon and Molly? Last month they completed their first bankruptcy counselling session.
Read More arrow_forwardWhat Happens At The First Counselling Session?
19/09/2018
Credit Counselling
When an individual or couple files a consumer proposal or an assignment in bankruptcy, the Bankruptcy and Insolvency Act requires the completion of two financial counselling sessions with a Registered Insolvency Counsellor.
Read More arrow_forwardAre You Sure You Have Good Credit? Understanding How Credit Bureaus Work
29/11/2017
Credit Counselling
Many people are under the impression if they pay their bills on time they must have good credit.
Read More arrow_forwardHow To Live Without Credit Cards
17/11/2017
Tanya Reynolds
Credit Counselling
It almost seems impossible to live without a credit card these days. There are just too many situations where one is required to justify not having one.
Read More arrow_forwardBig Purchase? What It Means For Your Credit
14/09/2017
Caryl Newbery-Mitchell
Credit Counselling
You’re at a dealership shopping for a used car. You’d hoped to pay cash, however nothing in your price range suits your needs.
Read More arrow_forwardThe Canada Revenue Agency CRA Can Be One Costly Creditor
17/04/2017
Credit Counselling
We are approaching the end of April and with that, the deadline for filing your 2016 income taxes. It is a safe assumption that some percentage of the 36 million or so Canadians will owe money to the federal government after filing and will either not...
Read More arrow_forwardWhat Information Appears On My Credit Report
21/02/2017
Credit Counselling
With the steadily increasing record levels of consumer debt amongst Canadians, as a Licensed Insolvency Trustee, I am surprised by the number of people who contact me without having ever obtained their own credit report.
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