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When one is forced to contemplate filing for bankruptcy, it’s an important process that is not entered into lightly. Contrary to popular belief, not everything you own is seized when you file for bankruptcy. Not only is there a long list of assets that are exempt from seizure, but there is also a hierarchy among your creditors as well.  Read More

Most, if not all of us aspire to be the kinds of people that pay their bills on time and have no significant money issues. Unfortunately, sometimes financial pressures, bad decisions, and just plain bad luck can bring things to the point where bankruptcy is the best – even only – solution.  Read More

The secret to financial stability is being wise with your money. Many people give money management very little thought. They spend based on what they consider to be safe and find out too late they are in debt over their heads. Money management is more important than ever as the cost of living continues to rise.  Read More

With what many would consider being unfair changes to the student loan process in Ontario, more students will be faced with the challenges of financing their education.  Read More

If you are having financial trouble, declaring bankruptcy is a solution you may want to consider before walking this path. However, many common myths circulate about bankruptcy that are simply not true. Here are nine of them.  Read More

If you are like most people, you never thought that there may come a time when you needed to talk to someone about your financial problems. Something in your life has happened that had made what used to be manageable debts into something too much to handle for one person.  Read More

If you are having a hard time paying down your debts and staying within your budget you might be going about things the wrong way. When it comes to your finances, you have to make every effort to focus on paying down debt while creating a small cushion for unforeseen emergencies.  Read More

Nothing is worse than being stuck living with a strict budget. You try your best to make ends meet and, in the end, feel depressed because you aren’t able to do anything for enjoyment. Paying off debt can put a strain on your finances. It can also put a strain on your happiness.  Read More

Being in debt can be a highly stressful time, and it can be unpleasant when you begin to consider all of your options going forward. How will you handle the debt? Are you financially capable of paying off each of your creditors? Or will you be left paying debts for the rest of your life?  Read More