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In Canada, it is possible to get a loan following a bankruptcy. Whether you are looking to get a mortgage, line of credit or car loan after bankruptcy, you can. Here’s what you need to know: Bankruptcy counselling is available to anyone who has recently filed or is looking to file for bankruptcy.  Read More

Financial literacy isn’t something only reserved for adults. The ability to manage personal finances and make the right decisions regarding insurance, real estate, budgeting, investing and tax planning, is something that children and young adults should learn.  Read More

Home renovations can definitely be costly. If you’re not careful, you could outspend your entire budget, leaving you to seek the advice of a bankruptcy trustee or having the Mortgage holder repossess their asset because you can’t make the payments.  Read More

The holidays can be an expensive time that lead many people to seek consumer credit counselling. Between the gifts we have to buy and the vacations we plan on taking, your debt can add up fast.  Read More

Debt collection is legal in Canada. It is a regulated industry that ensures that all debt collection agencies must follow the laws set out by the province they operate within. A debt collection agency is a company that is used to recover money that is owed.  Read More

Unfortunately, life may not always go as planned and depending on certain circumstances, we can find ourselves in serious debt. Bankruptcy may not be an option for everyone, however here are some important signs to notice if you are headed for bankruptcy.  Read More

If you find yourself facing insurmountable debt, there are options available to you. Through either a consumer proposal or a declaration of bankruptcy, you creditors. Each option shares similarities and differences, so it’s important to investigate which solution is right for you.  Read More

Credit card issuers rely on your credit score to assess your financial situation before approving you for a credit card. But you need at least one account – that has been active for over six months – to have a credit score. Some people don’t realise that they have a credit history due to their mobile phone monthly billing or house rent.  Read More

Identity theft occurs when your personal or financial information is stolen and used by another entity to make purchases, file taxes, get benefits, or commit fraud. If you are a victim of identity theft, you will likely experience shock, confusion, and fear that someone got past your security systems.  Read More

If you are looking to stay on top of bills and get out of debt it is important to maximise your savings on transportation, walking to all your destinations is the least expensive method. You may also use a bicycle for quick nearby errands, or buses and trains for long distance travel.  Read More