What to expect if you file for bankruptcy?
Submitting a consumer proposal to your creditors
Does a Consumer Proposal Cover Tax Debt?
Tax debt is one of the most stressful types of debt for Manitoba residents. Owing money to the Canada Revenue Agency (CRA) can lead to garnished wages, frozen bank accounts, and penalties. The good news?...
How Long Does a Consumer Proposal Take to Complete?
If you’re considering a consumer proposal in Manitoba, you might be wondering how long the process takes—and what each stage looks like. The good news is that consumer proposals offer a clear path to becoming...
Why More Winnipeg Residents Are Choosing Consumer Proposals Over Bankruptcy
Over the past decade, more and more residents in Winnipeg and across Manitoba have turned to consumer proposals instead of declaring bankruptcy. But why the shift? Here are the top 6 reasons why consumer proposals...
Consumer Proposal Services in Winnipeg: How to Find the Right Trustee
Choosing the right Licensed Insolvency Trustee (LIT) can make all the difference in your debt relief journey. In Winnipeg, there are several firms to choose from—but not all offer the same level of service, support,...
How to Deal with Collection Agencies in Winnipeg
Receiving calls and letters from collection agencies can be overwhelming and stressful. If you’re in Manitoba and being contacted by debt collectors, it’s crucial to know your rights and how to respond. Here are 6...
Debt Settlement vs. Consumer Proposal vs. Bankruptcy: What’s the Difference?
If you’re overwhelmed with debt and unsure what path to take, you’re not alone. Many Manitobans are confused about the differences between debt settlement, consumer proposals, and bankruptcy. Each offers a path to relief—but they...
Can You Keep Your Car or House If You File for Bankruptcy?
One of the most common concerns Manitoba residents have when considering bankruptcy is whether they’ll lose their car or house. The good news? Bankruptcy laws offer some asset protection. Here’s what you need to know:...
What Debts Are Discharged in Bankruptcy?
Bankruptcy can offer a fresh start—but not all debts are treated equally. If you’re a Manitoba resident considering this path, it’s essential to understand what debts will be wiped clean and which ones will stick...
How to Manage Credit Card Debt and Avoid Financial Trouble
Credit card debt can sneak up fast—especially when you’re juggling bills, groceries, and everyday life. For many Manitoba residents, managing debt can feel like a never-ending cycle. But there are proven strategies that can help...
Deceased Estate in financial trouble
We received a call from a lawyer asking for help for her client that is an executor for her uncle’s will. After cleaning up his apartment she opened all his mail to find out he...
Debt Consolidation vs. Consumer Proposal: Which One Is Better?
If you’re struggling with credit card bills, loan payments, or collection calls, you’re not alone. Many people in Manitoba are facing similar challenges—and two of the most common debt solutions are debt consolidation and consumer...
Consumer Proposal Pros and Cons: What You Need to Know
If you’re feeling overwhelmed by credit card debt, personal loans, or collection calls, a consumer proposal might be the answer. But like any financial solution, it’s important to know the full picture. Here’s a straightforward...
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