{"id":5250,"date":"2014-05-20T00:00:00","date_gmt":"2014-05-20T04:00:00","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/attractive-offers-to-get-rid-of-debts\/"},"modified":"2021-04-13T18:16:54","modified_gmt":"2021-04-13T22:16:54","slug":"attractive-offers-to-get-rid-of-debts","status":"publish","type":"post","link":"https:\/\/ginsberg-gingras.com\/en\/attractive-offers-to-get-rid-of-debts\/","title":{"rendered":"Watch out for overly attractive offers to get rid of your debts"},"content":{"rendered":"

Every debtor\u2019s situation is unique \u2013 and the same goes for the solution. That\u2019s why any self-respecting debt professional would never guarantee results without first analyzing the client\u2019s file. And yet some people have no qualms about making attractive\u00a0offers along the lines of \u201cReduce your debts by 70% without declaring bankruptcy!\u201d<\/strong> The fact is that most such sensational offers are only seductive marketing campaigns to attract as many economically vulnerable consumers as possible as potential clients, even though such offers only apply in a very few cases.<\/p>\n

Here are a few reasons to be super-cautious:<\/p>\n

    \n
  1. \n

    Excessively high instalment payments<\/h2>\n

    In some cases where the total debt is extremely high, the settlement offer is based on a predetermined percentage that might not suit the debtor\u2019s budget. In the example of over $150,000 in total debt and $3,000 in total monthly income, a 70% reduction in debt would not be acceptable. This is because a debtor in such a situation would not have enough money left over after meeting their basic living expenses to pay the instalment payments specified in their proposal to their creditors.<\/li>\n

  2. \n

    \u00a0The stability of the debtor\u2019s overall income<\/h2>\n

    In a consumer proposal, the debtor\u2019s overall income must be considered in order to make a realistic repayment offer to the creditors. In the case of seasonal workers for instance, blindly adopting a preset percentage could have serious consequences for them because their income naturally fluctuates enormously during the year. It is therefore difficult for them to make payments during certain periods, particularly if the advisor concerned had simply applied a percentage of the total debt amount without considering the client\u2019s ability to pay.<\/li>\n

  3. \n

    Mortgages and vehicle loans<\/h2>\n

    A fixed repayment offer based on a predetermined percentage of the total debt will not reduce the amount owed on debts like mortgages and vehicle loans. That is why it is necessary when drafting a consumer proposal to consider how these expenses will impact your ability to take care of your other debts.<\/li>\n

  4. \n

    Hydro bills<\/h2>\n

    If your electricity has been cut off because of unpaid bills, it can only be restored after full payment of all the outstanding bills.<\/li>\n

  5. \n

    Non-dischargeable debts<\/h2>\n

    Apart from a few specific exceptions, certain debts like student loans and employment insurance or social assistance benefit overpayments are not dischargeable. Although these debts can be included in a consumer proposal, any outstanding balances will still remain after the consumer proposal has been fully paid off. In most cases, such debts have to be paid in their totality.<\/li>\n

  6. \n

    The trustee in bankruptcy\u2019s fees<\/h2>\n

    Since the trustee\u2019s fees, as set by legislation, are paid from the payments received to repay the creditors, the consumer proposal needs to include these fees in order to be accepted. For example, it would be unrealistic to think that an offer of $1,800 as 30 cents on the dollar to settle a $6,000 debt would be accepted when $1,670 of this would go to the trustee as the first priority.<\/li>\n

  7. \n

    A risk worth taking?<\/h2>\n

    In the event that an offer of a 30% settlement on your debts is rejected by your creditors, you run the risk of losing the payments you\u2019ve already made. To avoid this, your only option would be to increase your offer (to 60 %, for example). It is therefore a big risk to take.<\/li>\n<\/ol>\n

    If you\u2019re in financial difficulties and an insolvency professional promises to reduce your total debt by 70%, first stop and think whether their primary objective isn\u2019t rather to entice you into their office instead of truly helping you.<\/p>\n

    Before preparing the offer to make to your creditors, a competent trustee in bankruptcy will first get to know your personal situation<\/strong>. Then, he will work with you to draw up a list of your possessions and debts and then establish your budget<\/a> based on your personal and family circumstances. That is why every debtor\u2019s situation requires a customized plan<\/strong>. From the debtor\u2019s standpoint, the settlement offer must be reasonable but not financially overwhelming. To be acceptable from the creditors\u2019 standpoint, the offer must also be more attractive than the debtor\u2019s bankruptcy.<\/p>\n

    For any\u00a0questions about attractive\u00a0offers that seem \u201ctoo good to be true,\u201d do not hesitate to contact a Ginsberg Gingras professional<\/a>. The first consultation can take place either over the phone or in person, without any obligation on your part. No appointment needed.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Every debtor\u2019s situation is unique \u2013 and the same goes for the solution. That\u2019s why any self-respecting debt professional would never guarantee results without first analyzing the client\u2019s file. And yet some people have no qualms about making attractive\u00a0offers along the lines of \u201cReduce your debts by 70% without declaring bankruptcy!\u201d The fact is that […]<\/p>\n","protected":false},"author":37,"featured_media":5251,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[667,675],"tags":[768,767,721],"class_list":["post-5250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-insolvency-news","tag-bankruptcy","tag-debt","tag-pawn-shop"],"acf":[],"yoast_head":"\nWatch out for overly attractive offers to get rid of your debts | Ginsberg Gingras<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsberg-gingras.com\/en\/attractive-offers-to-get-rid-of-debts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Watch out for overly attractive offers to get rid of your debts\" \/>\n<meta property=\"og:description\" content=\"Every debtor\u2019s situation is unique \u2013 and the same goes for the solution. 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