Do you need help
getting out of debts? Find out your options! For free professional and
confidential initial consultation, call: adam@debtcliniccanada.ca (905) 970-0439 Do you need help
getting out of debts? Find out your options! For free professional and
confidential initial consultation, call: (905) 970-0439 adam@debtcliniccanada.ca Do you need help
getting out of debts? Find out your options! For free professional and
confidential initial consultation, call: (905) 970-0439 adam@debtcliniccanada.ca Do you need help
getting out of debts? Find out your options! For free professional and
confidential initial consultation, call: (905) 970-0439 adam@debtcliniccanada.ca

Archives

2020

December 2020- WHEN YOU HAVE A DISPUTE GOING TO COURT SHOULD BE THE LAST RESORT

November 2020 – CONSOLIDATE YOUR DEBTS TO REDUCE INTEREST

October 2020 – PROPER WAY OF USING CREDIT CARDS

September 2020 – HOW MUCH LIFE INSURANCE YOU REALLY NEED?

August 2020 – THE RISK OF REPLACING YOUR INSURANCE POLICY

July 2020 – WHEN YOU HAVE A DISPUTE GOING TO COURT SHOULD BE THE LAST RESORT

June 2020 – IS IT WISE TO OPERATE A BUSINESS IN THE PHILIIPPES MANAGE BY RELATIVES OR FRIENDS?

May 2020 – CAN YOU BUY A HOUSE AFTER FILING BANKRUPTCY?

April 2020 – CO-SIGNER’S OBLIGATIONS

March 2020 – AVOID GARNISHMENT OF WAGES

February 2020 – MANAGING YOUR FINANCES IN THIS CHALLENGING TIME

January 2020 – ACTING RICH MAKES YOU POOR

2019

February 2019 – WHAT IS A CONSUMER PROPOSAL?

2015

December 2015 – TO IGNORE A REGISTERED MAIL MAYBE COSTLY

October 2015 – Easy money could ruin your finances

September 2015 – ARE YOU RICH BUT CASH POOR?

August 2015 – THE RISK OF INVESTING IN SECOND MORTGAGES

July 2015 – WHEN YOU ARE BEHIND ON YOUR MORTGAGE PAYMENTS DO NOT IGNORE POWER OF SALE NOTICE

June 2015 – WHAT YOU NEED TO KNOW IN APPLYING FOR A HIGH-RATIO MORTGAGE

May 2015 – BANKRUTPTCY TRUSTEES PROTECT THE INTEREST OF CREDITORS

April 2015 – AVOID GARNISHMENT OF YOUR WAGES

March 2015 – Your credit bureau file is not always accurate.

February 2015 – DO NOT RETIRE WITH TON OF DEBTS

January 2015 – Which one is best for you consumer proposal or bankruptcy

2014

November 2014 – TO BORROW MONEY FROM FRIENDS OR RELATIVES TO CONSOLIDATE YOUR DEBTS COULD BE A BAD OPTION.

October 2014 – DISCLOSE ALL YOUR ASSETS IN A BANKRUPTCY OR PROPOSAL TO AVOID CREDITORS OBJECTION

August 2014 – A BANK COULD SEIZE YOUR CAR EVEN IF YOUR PAYMENTS ARE UP TO DATE

July 2014 – When your first mortgage and second mortgages are both in arrears which one is your priority to pay first?

June 2014 – The importance of life insurance

December 2014 – Joint ownership of a house by husband and wife is ideal but it could be a problem

September 2014 – Things to consider before buying a car

May 2014 – When buying a house make your offer to purchase conditional on financing

April 2014 – Supplementary credit card. A potential problem

March 2014 – Seek a second opinion for peace of mind

February 2014 – Option for solving financial problem Part VII – Bankruptcy

January 2014 – Option for solving financial problem Part VI – Consumer Proposal.

2013

December 2013 – Options for solving financial problem Part V – Credit Counselling

November 2013 – Options for solving financial problem part 1V – Debt Settlement

October 2013 – Options for solving financial problem Part III – Liquidation of assets

September 2013 – Options for solving financial problem part II – Mortgage refinancing (equity take out)

August 2013 – Options for solving financial problem part 1 – Debt consolidation

July 2013 – Your kids are going to be broke. and it’s your fault!

June 2013 – GOD’S WAY OF MANAGING OUR FINANCES PART V – DIFFERENCES BETWEEN MAN’S WAY AND GOD’S WAY OF MANAGING PERSONAL FINANCES

May 2013 – GOD’S WAY OF MANAGING OUR FINANCES PART IV NINE STEPS OUT OF FINANCIAL CRISIS

April 2013 – God’s way of managing our finances part III – How to Avoid Financial Crisis

March 2013 – God’s way of managing our finances part II – Signs of Financial Trouble

February 2013 – God’s way of managing our finances Part 1 – Causes of Financial Trouble

January 2013 – Bankruptcy is not for everyone.

2012

December 2012 – Role of credit bureau.

November 2012 – The risk of using your bank account to clear a cheque from someone specially a stranger.

October 2012 – Risk of signing a document relative to your home especially for seniors

September 2012 – Do you really need a new car?

August 2012 – The risk of investing in 2nd or 3rd mortgage.

July 2012 – If you are not vigilant, a problem may arise when you pay credit card on your online purchases

June 2012 – When you buy a house with 5% or less down payment most likely you will lose it.

May 2012 – Avoid expensive court litigation.

April 2012 – If you can no longer afford to pay your mortgage payments consider selling your house before a lender list it for you.

March 2012 – Selling your house just a year after purchase is a losing proposition.

February 2012 – Know your mortgage interest penalty before selling your house to avoid surprises

January 2012 – Maximizing your credit limit prior to filing consumer proposal or bankruptcy would put you in a legal bind.

2011

December 2011 – Easy money could lead you to financial crisis.

November 2011 – Some causes of becoming financially broke.

September 2011 – Is it good to let a mortgage broker arrange your mortgage?

July 2011 – Priortize payments of your debts.

June 2011 – Save money for your vacation .

October 2011 – Reduce cost in refinancing your mortgage.

August 2011 – Mortgage interest rates are negotiable.

May 2011 – House ownership is not for everyone.

March 2011 – Your prospective spouse’s credit rating may ruin your marriage life.

April 2011 – Don’t settle with only one or few of your creditors but all of them.

February 2011 – Some ways to save money.

January 2011 – Some money mistakes many people make.

2010

December 2010 – Lavish wedding could leave you broke.

November 2010 – Cash or credit card this holiday season?

October 2010 – Starting a business is a serious business

September 2010 – How many credit cards you need to carry.

August 2010 – Is it good to increase your mortgage to Pay off your unsecure debts?

July 2010 – The importance of family budget to your financial health

June 2010 – The importance of Life Insurance

May 2010 – Retirement is like hell if you still have a big mortgage.

April 2010 – Good Credit Rating is not a Guarantee of Getting a Loan.

March 2010 – Should I Buy A House Now, Or Wait And Save More Money?

February 2010 – Is it good to save while you have unpaid debts?

January 2010 – How many credit cards you need to carry

2009

December 2009 – With low mortgage interest rates, is it a good time to buy a house now?

November 2009 – Is it worth to keep your house at all cost?

September 2009 – Selling your house without equity could give you a legal problem

August 2009 – When replacing a returned-cheque get the cheque back

July 2009 – Beware of financial consultants who always say, yes and yes

June 2009 – Could leaving Canada wipe out your debts?

May 2009 – Live within your means

April 2009 – Borrowing from friends or relatives to pay off your debts is good and bad?

March 2009 – Can you keep your house when you file bankruptcy?

February 2009 – Driving without car insurance could be costly

January 2009 – Reserve your house equity for emergency

2008

December 2008 – Wrong advice couple loses house

November 2008 – Choosing a wrong course of study is a waste of time and money

October 2008 – You could be a supplementary credit cardholder without your consent

September 2008 – The problem of buying a house without down payment

August 2008 – Supplementary card for your child is not always good

July 2008 – Good credit rating does not always mean your outstanding debts are paid

June 2008 – The problem of brand new home, furniture and appliances

May 2008 – Disappointments of some caregivers applicants

April 2008 – Unsecure Creditor Could Attach Your House

March 2008 – If your business is losing & no prospect for profit, close it down

February 2008 – Understanding Bank’s House Mortgage Life Insurance

January 2008 – The importance of knowing the effect of contestability period in your life Insurance policy

2007

December 2007 – If you don’t want your employer would know you are in financial trouble avoid wage garnishment

November 2007 – Interest-free loan bears interest when not paid on due date

October 2007 – A bad sign when a bank does not take your mortgage payment out from your account

September 2007 – Be cautious in buying a house without down payment

August 2007 – Sell your house first before your lender does.

July 2007 – Bankruptcy trustees are not equal

June 2007 – Unexplained mortgage broker’s fee is not a ground to withhold your mortgage payments

May 2007 – A creditor could attach your home on your delinquent unsecure debt

April 2007 – Consumer proposal is not for everyone

March 2007 – Understanding your House Equity

January 2007 – Equity on your house is worthless if you are cash-poor

2006

October 2006 – Collateral Damage

September 2006 – Be careful in dealing with collection agents

August 2006 – Long Distance Calls Hurt Your Pocket

July 2006 – It’s Unwise To Use Credit Cards To Pay Off Other Debts

June 2006 – The Problem of Selling and Buying a House

May 2006 – Seeking 2nd Opinion Before Filing Bankruptcy Is Prudent

April 2006 – Business Can’t Thrive On Capital Alone

March 2006 – Knowing Two Types of Mortgage Financing

February 2006 – A Man Went Broke Because of Bad Advice

January 2006 – You Cannot Start Saving If You Are In Debt

2005

December 2005 – Abuse Of Credit May Lead You To Legal Troubles

November 2005 – Good Credit Rating Alone Does Not Guarantee You A Loan Or Credit

October 2005 – The Risk Of A Special Power Of Attorney

September 2005 – Do Not Convert Your Unsecured Debt To A Secured Loan

August 2005 – Real Estate Investment Is Good But.

July 2005 – Fix up your finances before creditors seize your assets

June 2005 – The Risk of Buying a House in Other People’s Name

May 2005 – Limited Company Debts Do Not Always Absolve Director/Owner

April 2005 – Buying A Big House To Accommodate Relatives Is Good And Bad

March 2005 – The Cost of Filing Bankruptcy

February 2005 – Credit Bureau could not Abolish Debtor’s Obligation to Pay Creditors

January 2005 – Health Insurance for Visiting Relative Is Essential

2004

October 2004 – Credit Rating of a Teenager Shattered by Supplementary Credit Cards

September 2004 – Stubbornly Operating A Losing Business, Couple Went Broke

August 2004 – Bankruptcy is not hiding assets from creditors

July 2004 – Ignoring a registered mail may cost you a bundle

June 2004 – Learn from your experience

May 2004 – Beware of buying a time-share condo

2003

December 2003 – Couple’s conflict could cost a bundle

November 2003 – Till Debt Do Us Part

October 2003 – Birthday parties could deplete your wallet

August 2003 – The danger of going to a mall

July 2003 – Your expertise in one area doesn’t make you a…

June 2003 – If Juan made a mistake, do you blame Pedro?