You’ve been struggling with your finances for many months, but things are not getting easier. You’re losing sleep while you worry about your situation. You’re embarrassed to tell anyone at home or at work. You’re afraid Bankruptcy may be next! You are in good company. Over a million Canadians have experienced insolvency and filed for […]
Providing hope to Canadians in debt, by sharing my experience.
My name is Wendy and I completed my consumer proposal in 2013 (Wendy’s Story). At the time, despite what I thought of as good financial awareness, my bills just got ahead of me. Before long, I was using lower interest account credit cards to pay off higher ones and that type of thing, and I realized I was in trouble. I saw a Trustee and filed a consumer proposal. It was the best decision I could have made.
My goal is to help provide hope to Canadians in debt by sharing my experience, and advice as a consumer – and also to help eliminate the stigma and embarrassment surrounding people who file a consumer proposal or bankruptcy.
Finally, if you’re looking for help, and plain old optimism just isn’t helping anymore, you should contact a Trustee. There’s no risk in seeing one.
Welcome to my column!
Most Recent ‘Wendy’s Column’ Posts
We’ve all been there – the shopping craze of December, looking for those perfect last few gifts, making sure there is enough food in the house for your holiday guests, decorating your home inside and out. As if paying for these things weren’t enough, there are hidden expenses as well. Shopping can take time out […]
Many individuals and families these days are dealing with tight financial conditions. It’s not uncommon. You may have been making financial maneuvers for many months just to get by. But, how do you know when you may be headed for more than just a tight budget? What are the warning signs that you are seriously […]
December 11th, 2015 by Wendy O.
Nan and Richard had to tighten their budget after Richard lost his job in management. He’d been searching for a few months for a new position, but interviews had gotten him nowhere. Nan still had her job, but their income had taken a hit. A reduced budget was not the greatest of their concerns, however. […]
December 4th, 2015 by Wendy O.
Do your financial concerns keep you up at night? That’s not good, but it’s increasingly common. My own monetary worries kept me from sleeping, too, until I saw a Trustee in early 2009. Anyone losing sleep because of worry and dread can tell you – it erodes your health, both mental and physical. Ironically, one […]
The answer is no! A Trustee’s role is to provide you with information on your options, and assist with the process IF you decide to go ahead with Bankruptcy or Consumer Proposal. The Trustee cannot “declare you Bankrupt.” It’s a common misconception that Bankruptcy is something that can automatically “happen” or be imposed upon you, […]