New Stratford Ontario Bankruptcy Office

New Stratford Ontario Bankruptcy Office

I am pleased to announce that we now have an office in Stratford to help those individuals living in and around the Stratford area. The office can be found on the second floor above Scotiabank at 1 Ontario Street (corner of Ontario & Church). We share office space with The Ross Firm, a team of…

Top 3 Questions to Consider When Facing Debt Problems

Top 3 Questions to Consider When Facing Debt Problems

“Debt problems” is a general concept about which we all have some level of knowledge and understanding. However, the specific causes, implications and means of resolution can be different for everyone. Here are some of the warning signs that you should be taking action to deal with your debts problems: losing sleep at night, being…

There is Life After Bankruptcy in Kitchener

There is Life After Bankruptcy in Kitchener

I received a phone call recently from Lynda (not her real name).  In 2011 Lynda and her spouse were filing for a divorce.  This life altering event caused a number of problems in her financial life as well as her personal life and in early 2013 Lynda filed for personal bankruptcy.  She received a discharge…

Kitchener-Waterloo Forum Examines Challenges Facing Low Income Households

Kitchener-Waterloo Forum Examines Challenges Facing Low Income Households

On May 27, I participated in a community forum in Kitchener-Waterloo aimed at increasing the financial inclusion for those who are the most financially vulnerable.  It was a gathering of representatives mostly from banks, credit unions and social agencies. As a licensed insolvency trustee, I interact on a daily basis with individuals who are financially…

What is a Bankruptcy Discharge?

What is a Bankruptcy Discharge?

When you meet with a licensed insolvency trustee to review your debt options, it is easy to be overwhelmed by the volume of information.  Any profession will have common words or expressions that are confusing to outsiders.  Insolvency practitioners are no different. For example, consider the word “discharge.”  It can mean many things depending on…

Credit Counselling Meetings in Kitchener: How do they help?

Credit Counselling Meetings in Kitchener: How do they help?

I was meeting with a couple today in Kitchener and they decided that they are going to file for personal bankruptcy to deal with their overwhelming debts.  They are in their mid-thirties and have two young children. The personal bankruptcy will clear their debts, but only after they complete certain duties or conditions, including two…

If Bankruptcy is the Right Answer How Do I File Bankruptcy in Kitchener?

If Bankruptcy is the Right Answer How Do I File Bankruptcy in Kitchener?

As a licensed insolvency trustee, my responsibility by law is to provide a thorough assessment of a person’s situation so that person can make the best choice about how to deal with his or her debts.  You might be surpised to hear that only 20% of the people who contact my firm ultimately file with us…

Am I Eligible to File Bankruptcy?

Am I Eligible to File Bankruptcy?

People find themselves in financial difficulty for a whole variety of reasons.  Some situations are short term and can be overcome without lasting stress or financial damage.  Other situations are more difficult to get past. Consider the financial changes that you would face if your marriage were to break down, if you were laid off…

4 Steps to Debt Free Kitchener Waterloo

4 Steps to Debt Free Kitchener Waterloo

Imagine how it would feel to be debt free. Debt free means no stress over debt repayment. Debt free means not worrying when the phone rings or being afraid to open the mail. Debt free means control. Try not to focus on the past and how things got out of control. Try to focus on…

My Top 5 Reasons Why You Should Talk to Me About Your Debts

My Top 5 Reasons Why You Should Talk to Me About Your Debts

I care about helping you find the right debt solution for your situation. Together we will review your situation, your future goals, and all the debt options available to you and your situation. We will compare all options and how they measure up so that you can make the right plan to deal with your…