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Perhaps the biggest deterrent people feel when contemplating bankruptcy is the adverse effect it has on their credit score. It is true that bankruptcy affects one’s credit score, but to what degree? Just how much does bankruptcy really affect one’s credit score?  Read More

It is a fact of life for most people in the 21st century: at some point or another, you are going to need to borrow money in order to continue living your life. Whether it be for a house, to grow your business, for higher education to make yourself a more marketable/valuable employee, eventually we all need to take out loans.  Read More

Credit consolidation is a debt management plan that can help you to overcome debt. Credit consolidations,such as a consumer proposal can offer relief to individuals who have multiple credit accounts and loans.  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

Credit scores are the foundation of your financial history and future. Credit scores and reports can determine many meaningful opportunities, including if you can buy a house, lease a car, and qualify for loans. While it may seem like an arbitrary number, credit scores are calculated based on a wide range of factors.  Read More