Author - Ginsberg Gingras

January 2019

GGA-Blogue-portefeuilleSante-EN

Healthy Finances: The New Year’s Resolution

The holiday season has just ended and the New Year has truly started! For many consumers, the month of January is ideal for making life changes. The season of new resolutions is in full swing. The possibilities for resolution are endless and distinctive to all of us: losing weight, stop smoking, reducing alcohol consumption, being happier, taking time for yourself and your family, working less etc.… (more…)

November 2018

June 2018

Can my student loan be included in a bankruptcy?

After years of study, entrance into the labour market is sometimes difficult. It is then normal to feel suffocated by our student loans that seem overwhelming. The accumulating interest and the payments that start and add to the other obligations do not allow everyone to pay as we would like our student loan debt. Is bankruptcy an option to clear one’s student loan when one is unable to make the monthly payments? (more…)

May 2018

Can debts to CRA be included in a bankruptcy?

Can debts owed to the CRA and QRA be included in a bankruptcy?

Tax season can be stressful, especially for those who receive unpleasant surprises and must pay money to Québec Revenu Agency (QRA) and/or the Canada Revenue Agency (CRA). Tax season can present you with some difficult questions: How do you extract yourself from tax debt, which can drag on for years? Bankruptcy or a consumer proposal may be the solution for you. (more…)

April 2018

How to prevent a Hydro-Québec service disconnection

How to prevent Hydro-Québec from disconnecting your power

Having payments past due and seeing your unpaid bills pile up is difficult for any consumer. It goes without saying that the last thing you need is to worry that Hydro‑Québec will disconnect your essential services. But did you know that, depending on your circumstances, you may be able to protect yourself from a service disconnection by Hydro-Québec with a consumer proposal or bankruptcy? (more…)

March 2018

Consequences ex-spouse declares bankruptcy

Your ex-spouse is declaring bankruptcy? Here’s how it affects you.

A separation is an incredibly difficult period for everyone, not only emotionally, but also financially. Finding yourself alone to deal with day-to-day responsibilities and daily payments can be an enormous challenge to overcome. What happens when your ex-spouse declares bankruptcy after your separation? How does this impact your finances? (more…)

February 2018

Differences between bankruptcy and consumer proposal

The difference between bankruptcy and consumer proposals

Your debts can cause a lot of stress and may seem insurmountable to you. Don’t let your uncertainties prevent you from considering using a consumer proposal or declaring bankruptcy to resolve your financial difficulties. Although less common among consumers, they are two simple solutions to repay your debts and free you from your obligations towards your creditors. (more…)

October 2017

January 2017

How to Repay Holiday Debt

The holidays are a time for celebrating and sharing. However, they are also a time of spending more than planned. Even when you set a gift budget, costs relating to travel, gas, and food can quickly increase the bill. As a result, many people notice their debt has increased after the holidays. If you are concerned about your holiday spending, here are some tips to help you put an end to indebtedness. How to repay your holiday debt quickly Calculate the amount due Before beginning repayment, it is wise to know your total accumulated debt. Your first step should be to list all your bills and calculate the total. Take all the amounts representing debt into consideration. These may include credit cards, lines of [...]

April 2016

How important is it to file your tax return?

How Important Is It To File Your Tax Return?

Some people avoid filing their annual income tax return. Regardless of their reasons, they are exposing themselves to penalties or even fines from the Department of Justice. Here are the reasons why it is important to complete your income tax return and repay your tax liability, if you have any. (more…)