A consumer proposal is a powerful debt relief option for Canadians struggling with overwhelming financial obligations. While it can provide much-needed relief, many wonder how it impacts their credit report and financial recovery. In this blog, we’ll take a closer look at what a consumer proposal means for your credit score and how you can […]
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The financial burden of debt is a reality for many Canadians. With the cost of living rising and interest rates climbing, it’s no surprise that more people are searching for a way out. One common question we hear is, “Are there free Canadian government grants to pay off debt?” While this idea is appealing, the
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Overcoming Debt in Winnipeg Dealing with debt can feel like an insurmountable challenge, especially when you consider the startling statistics recently highlighted by Joel Schlesinger in the Winnipeg Free Press. As of the end of 2023, Canadians were burdened with an astonishing $2.4 trillion in debt, with TransUnion’s final data for the year showing that 31.5 million Canadians
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Budgeting Back in the Spotlight: LOUD Budgeting I’ve helped hundreds of people manage their bankruptcy Winnipeg situation, and one thing that I always come back to is the importance of budgeting. The latest trend is LOUD budgeting. What does that mean? What is loud budgeting? The easiest way to explain it, I believe, is to
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We are pleased to have introduced our Consumer Proposal Calculator. This is an important tool for a variety of reasons – not the least of which is that it gives you an accurate estimate of your debt relief options. For many regular Canadians – 75% of them, in fact – consumer proposals offer the best
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Canadians owe over $2.3 trillion. That amounts to $1.85 of debt for every $1 of disposable income. Faced with such debt, Canadians are seeking out solutions (and a consumer proposal Winnipeg can help – but we’ll talk about that later). The State of Canada’s Finances A recent report by TransUnion credit reporting bureau found that
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Explained: What Happens When You File a Consumer Proposal? So, what happens when you file a consumer proposal? There are a number of things that happen when you file a consumer proposal – but the first thing that should happen is you should feel a sense of relief! Your unsecured creditors can no longer pursue
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What Are the Consumer Proposal Pros and Cons and Should I File One The consumer proposal pros and cons are rather simple to enumerate; but whether you personally should file one very much depends. What does it depend on? Your personal debt situation and how you wish to approach it. If you’re ready to be
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What Does It Cost to File a Consumer Proposal – and How Can It Help You Manage Your Debt What does it cost to file a consumer proposal? That is a question that I am frequently asked. There are really two different ways to answer that question. The short answer is that it will cost
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Consumer Proposal for the Holidays – the Best Gift to Relieve Your Debt Pressures Asking for a consumer proposal on the holidays may sound like a strange request. It’s almost like asking to go to the doctor. But when you really think about it, what happens after you go to the doctor? You get better!
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