24 shopping days until Christmas…how will you shop?

It’s December 1st and the Christmas countdown has well and truly begun. Here’s the big question. How will you shop? With cash? Debit? Credit card? If you watch any television, likely you have seen the amusing commercial where the army of Nutcracker Princes...

On Debt and Taxes

If you still owe tax from last year, or you don’t think you can pay off this year’s tax assessment, it’s still important to file your personal income tax returns. Filing on time saves you penalties. This year the Canada Revenue Agency has handed you...

Future Shop store closings and layoffs. Is this you?

Today, Saturday, March 28, 2105, thousands of Future Shop employees across southern Ontario arrived at work to find the doors of the stores locked and the windows papered with signs announcing unwelcome news. Future Shop is no more. Some stores will be transformed...

Can the CRA keep my tax refund after I file a Consumer Proposal?

It’s tax time, and that raises a number of questions about the impact of a consumer proposal or bankruptcy on your tax matters. Here’s a question that comes up often: Can the Canada Revenue Agency keep your tax refund after you file a Consumer Proposal?...

Best Way to Choose a Bankruptcy Trustee in Southern Ontario

Is bankruptcy the best way to shed the debt? Bankruptcy is a legal proceeding that resolves all of your unsecured debts. It covers credit card balances, taxes owed to the Canada Revenue Agency, 407 ETR bills, loans with private lenders, car loans,  payday loans,...

Fast friendly debt relief

When you’re afraid to answer the phone if you don’t know who’s calling…. When you dread what’s in the mailbox, or hide mail from your spouse… When the Canada Revenue Agency comes knocking… When you can’t remember the last time you could pay all the bills on time… …...