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Do I Need to Meet My Creditors?

Posted on Feb 26, 2015 in Credit, Creditor Negotiation, Finances |

The last people you want to meet when going through a bankruptcy in Ontario is your creditors, right? You know, the people who have been sending you notices, phoning you non-stop, garnisheeing your wages and generally making your life difficult. What are the chances you will have to get face to face with people who definitely aren’t part of your fan club? The chances are very small. In our experience at Richard Killen & Associates,...

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How To Rebuild Your Credit Rating

Posted on Nov 17, 2014 in Credit, Credit Rating, Finances, Financial Advice |

Your credit rating has taken a beating. You regularly pay bills late. Sometimes you can’t make even minimum payments. Perhaps you’ve gone through a bankruptcy or the consumer proposal process. But what now? How do you rebuild your credit rating? Find Out Where You Stand First, to see where you stand, get your sactual credit rating  from TransUnion Canada or Equifax Canada. OK, you’ve absorbed the bad news. If you’ve gone...

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Why Do People Go Bankrupt?

Posted on Jul 18, 2014 in Bankruptcy, Credit |

Well, because their debts exceed their means to pay them. OK, after stating the obvious, here’s a bit more detail. More than 118,000 Canadians a year are filing for bankruptcy or doing consumer proposals. Here are some of the top reasons why. Excessive Use of Credit Not surprisingly, this continues to be leading cause of bankruptcy. Many of us spend too much, save too little and rely too much on plastic credit. The problem of being...

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