What is an insolvency problem?
Insolvency is a common problem
What are the signs of insolvency?
- Are late in making payments.
- Only pay the required minimum on your credit cards.
- Use your credit cards to pay off other debts.
- Use credit to meet your essential needs (rent, food, medication).
- Are worried about your debt.
- Want to get out of insolvency.
- Are being harassed by your creditors.
- Often receive calls from collection agencies.
- Have had a bailiff visit you.
- Avoid following a budget because you always have shortfalls.
- Do not know how to create and follow a balanced budget.
- Have to deal with your salary being garnished.
- Have little or no savings.
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Common questions about
over-indebtedness:
Ginsberg Gingras licensed insolvency trustees (LIT) are experts in all aspects of bankruptcy. They also know about solutions that allow you to avoid declaring bankruptcy. Thanks to their advice, many people have been able to solve their debt problems using other means.
To avoid bankruptcy, it is advisable to meet one of our trustees as soon as the first signs of financial difficulty arise. More solutions to your insolvency problem will be available—and they will be less restrictive. As many people have discovered, you can regain your financial health and no longer be insolvent.