Consumer Proposal

Consumer Proposal & Administrator’s Report

Consumer Proposal & Administrator’s Report I filed a Consumer Proposal and my trustee tells me that he has to file an Administrator’s Report. What is this? Your trustee is acting in this situation as the Administrator of your proposal. As such, there is a requirement under the legislation that he submits a report to your […]

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Bankruptcy and Debt Exclusion

Bankruptcy and Debt Exclusion What is debt exclusion from bankruptcy? A bankruptcy or proposal will get rid of most of your debts, but not necessary all of them. This is because certain debts are secured to your assets. The most common being a mortgage on your home or a loan on your car. If you […]

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Bankruptcy and God

God put us on the earth for a limited amount of time. Why then does he make us sleep for about 8 hours each day? We could be producing something of value for 24 hours each day. The answer of the sages is profound. We have all heard the phrase “I am having a bad […]

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How Can I Avoid Collection Calls?

How can I avoid Collection Calls Many Canadians are very uncomfortable receiving a collection call from a bill collector. In some instances it can be a major headache for an Ontario resident to get a collection call at the workplace. There are three basic strategies for avoiding collection calls: Reduce the likelihood that a bill […]

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