Should You Use Debt Advice Services?
If this is your first time looking for professional help to deal with your debt problems, you may not know where to turn for debt advice services – or whether you should even be using these services at all. First
Debt Repayment Methods – A Fresh Approach
Paying off debt is a financial goal for many of us, and with good reason. Debt can not only cripple us financially, but can cause a lot of stress in our personal lives as well. Losing sleep, lack of concentration,
Do I Need to Repay the Canada Emergency Response Benefit (CERB)?
Amid the Covid-19 pandemic, the Canada Revenue Agency (CRA) has dispersed millions of dollars to Canadians under the Canada Emergency Response Benefit (CERB). But the CRA has now sent over 441,000 “educational” letters to Canadians who may have to pay
Stick to a Christmas Budget When Buying Gifts for Your Kids
By Lisa Whalen, Insolvency Counsellor Buying Christmas gifts for your kids does not have to break the bank. Stay within your Christmas budget and make your money go further by considering the “types” of toys you buy for your children.
Keeping Track of Your Money
There are two questions I ask when giving presentations on money management. Where do you think you are (financially)? And where are you really? Before we start making changes to improve our finances, we should take a look at what
Learn These 5 Tips to Protect Yourself from Financial Fraud
Your information is everywhere. So how do you protect yourself from financial fraud? One of the most common types of financial fraud is identity theft. This occurs when someone steals your personal identifying information to access your credit card or
Filing for Bankruptcy in Nova Scotia
Is Filing for Bankruptcy the Best Debt Solution for You? Bankruptcy gives you a clean break from debt that has overwhelmed you. It will eliminate most unsecured debts, but you will need help. If you are considering filing for bankruptcy
When Is the Right Time to Declare Personal Bankruptcy?
Since the pandemic was declared hundreds of thousands of Canadians have lost their jobs and find themselves unable to make their basic monthly payments. Fortunately, our Canadian Government has stepped up and assisted financially. Banks have offered deferred payments and
The Heavens are Crying
Francyne Myers, Licensed Insolvency Trustee in our Halifax and Truro offices recently wrote the following about the recent tragedy. We would like to share her thoughts with you. The Heavens are Crying That was my first thought this morning as I awoke to
4 Tips to Avoid Panic During the Covid-19 Pandemic
It’s normal to be nervous or anxious during these uncertain times. After all, day to day life has changed drastically for many Canadians. Canada, along with each of the provinces, has increased the measures required to fight the COVID-19. Still,
What Are the Alberta Provincial Asset Exemptions?
While it’s common to assume you will lose all you own when you file for Bankruptcy in Alberta, this isn’t the case. We’ve put together a guide on how Alberta Bankruptcy exemptions work and how a Licensed Insolvency Trustee can guide you through the process. Find out more today from the experts at Allan Marshall & Associates Inc.