Dealing with a Debt Crisis? We all, throughout our lifetimes, experience stressful and difficult situations. Loss of employment, marriage breakup or the death of a relative or friend can be traumatic experiences. The grieving process, grief counselling, or just the passage of time often helps to lessen these traumas. However,

In our profession, we see people from all walks of life and backgrounds, whose debt is overwhelming their lives. That debt may be the result of things completely beyond their control — serious illness, death of a spouse, disability of a loved one, divorce, loss of a job. On the

Insolvencies are increasing — Should you be concerned? You may have heard that the insolvency rates in Canada are up and you’re thinking that means the economy is in the tank. Not necessarily so. Insolvency is not a bellwether. It is not an indicator of how the economy is going

Most of us experience financial difficulty at one point or another. When money problems are serious or prolonged, they might start to spin out of our control.  How do you know when it’s time to get help? And where can you turn if you’re having financial difficulty? In Manitoba, there

Likely the most stressful part of financial difficulties is dealing with collection agencies. The endless calls and letters, threats, even the manipulation that a debtor experiences is often overwhelming. Collection agencies must follow certain rules when they attempt to collect money, but it can still be difficult dealing with them.