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Debt consolidation
For a large majority of people struggling with debt, the inability to see an end, debt consolidation is the first solution considered. However, lifestyle adjustments are necessary, and it is important to carefully assess the advantages and disadvantages of debt consolidation.
Negociation with your creditors
For people with few creditors or little debt, this option can be effective; it’s just a matter of communicating with one’s creditor and renegotiating the payment, frequency, or duration
Consumer proposal
In many cases, the consumer proposal allows an individual to keep their assets and repay their debts with a payment tailored to their budget. When other solutions fall short, we step in for you and negotiate the best agreement.
Bankruptcy
When the budget doesn’t allow for debt repayment and one deserves a fresh start, bankruptcy becomes an ideal solution. However, bankruptcy comes with its share of myths, and it’s important to discuss with us to understand the implications.Free consultation?
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Whatever the cause of your financial stress—be it a run of bad luck in business, market instability, divorce, the inability to cover your expenses, loss of a job or a key client, or one of many other reasons—we’re here to help.
Debt ratio
The debt-to-income ratio, or debt ratio, is a unit of measure that allows you to compare income before taxes with total debt. This information is particularly useful when you plan to ask for a loan from a financial institution.
Real cost of credit cards
Credit cards have become practically indispensable today. Used with discipline, they are a positive payment tool for daily shopping, making larger purchases, accumulating reward points and even building a credit history.
Online budget
The budget is a key financial management tool. It allows you to find out if your income is higher than your expenses each month. It helps you determine your capacity to consume and to know how much you can spend without incurring debts that you would be unable to pay back.
