A Timeline Of Debt
Debt has a way of creeping up. At almost every age there is a reason to take on debt in one form or another. Our infographic visits those life stages so you can understand the financial impact of...
View Article6 Things That Sabotage Your Debt Reduction Strategy
Don't ruin your new efforts to pay down your debt. Read our infographic to understand the top 6 reasons why you might sabotage your efforts this year. The post 6 Things That Sabotage Your Debt...
View ArticleDebts Discharged in Bankruptcy: Infographic
The goal of claiming bankruptcy is to receive your bankruptcy discharge. This is the step that legally releases you from the obligation to repay debts included in your bankruptcy. But what debts are...
View ArticleHigh Cost of Credit Card Debt
Despite the fact that more Canadians are making debt repayment a high priority, more than half still carry a balance on their credit cards. Our infographic takes a look at the landscape of credit card...
View ArticlePaying Off Student Loan Debt
Since 1984 the Canada Student Loans Program has provided more than 41 billion dollars in student loans to over 4.8 million students. Unfortunately not everyone can find suitable employment after...
View ArticleHow Is Creditworthiness Determined
Many fear filing bankruptcy because they are concerned that they will not be able to borrow money after bankruptcy. The truth is if you have more debt than you can repay, bankruptcy or a consumer...
View ArticleJoe Debtor: At-Risk Canadians Drawn Into Cycle of Debt
Our newest Joe Debtor study reveals that, for a core group of Canadians, debt is a survival tool. Yes, insolvency rates in Canada and Ontario have declined. In Canada, total personal insolvencies...
View ArticleHow To Deal With Tax Debts: An Infographic
The Canada Revenue Agency (CRA) is what we call an involuntary creditor. The CRA does not lend you money, but if you do not pay your taxes they become your creditor. If you owe money to the Canada...
View ArticleWeighing the Risks of Debt Relief
Choosing the right debt relief program for your needs can seem like a challenge. How do you evaluate the risks and benefits of each option? Our infographic compares 5 different debt relief options...
View ArticleStudent Debt and Bankruptcy Alarmingly A Women's Issue
Every two years we issue a report that provides a detailed analysis of emerging trends in bankruptcy filings in Ontario. We track debt loads by age, income level, marital status and gender. We also...
View ArticleHow Does Bankruptcy Work? An Infographic
Bankruptcy is a legal process that provides protection from your creditors and eliminates your debts. Our easy to understand infographic explains: What you need to file; What happens when you go...
View ArticleA Complete Guide To Joint Debts
Joint debts are one of the hardest concepts to understand. Things can get even more complicated if one spouse declares bankruptcy or files a proposal or during divorce. Our quick info guide helps clear...
View ArticleDo I Need to File Bankruptcy For My Student Debt?
According to the Canada Student Loan Program (section 4.3), the average student in Canada is graduating with more than $12,000 in student debt. That’s a pretty significant amount of debt to start out...
View ArticleShould You Declare Bankruptcy?
If you are wondering if declaring bankruptcy is the right solution to eliminate your debts, read through our handy infographic to answer some key questions: Do you qualify? What does bankruptcy do for...
View ArticleDispelling Common Fears of Bankruptcy
Bankruptcy happens to almost 120,000 Canadians every year. In bad times the number of bankruptcies and consumer filings increase. When the economy recovers they decline. But they never go away because...
View ArticleConsumer Proposal or Bankruptcy: Decision Factors
Both bankruptcy and a consumer proposal will eliminate debt, both provide protection from creditors and stop collection calls. However not everyone should file bankruptcy and a consumer proposal won't...
View Article5 Stages of a Bankruptcy in Canada
Bankruptcy in Canada can be filed by any individual who owes at least $1,000 and is insolvent. The process of filing personal bankruptcy in Canada is completed in five steps as outlined in our easy to...
View Article10 Bankruptcy Definitions You Need To Know
As licensed insolvency trustees, we will explain how bankruptcy works and what it will mean for you and your family. To help you understand the bankruptcy process here are 10 bankruptcy definitions you...
View ArticleFinances and Relationships: Infographic
Does a couple's debt affect their relationship? Or does a couple's relationship affect their debt? Are finances and relationships just another variation of the classic 'what came first: the chicken or...
View ArticleStudent Debt: Facts, Lessons & Solutions
The cost of post-secondary education has been steadily increasing in Canada, leaving many graduates with student debt that is becoming much more difficult to pay back. Today’s students face ever...
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