If you are thinking about filing bankruptcy, you must know how to declare bankruptcy.  Before you can file either Chapter 7 or 13, you must be able to pass under what is called a “means test”. The means test identifies which people have the financial capacity to continue to pay a significant portion of their [...]

Debt consolidation programs are for people who are in trouble with their debt and help by lowering their monthly payments to an amount they can deal with. These kind of programs are a win-win for the consumer and the lender since they allow the borrower to avoid hurting their credit score and at the same [...]

Few circumstances in life are more stressful or nerve-racking as being faced with a huge, nearly insurmountable pile of debt when your income has declined and you need a way out of the mess that your finances have become. More and more families and individuals are discovering that it is a huge task to make [...]

If you’re feeling like you are in over your head where your finances are concerned, a debt counselling professional could be a source of information and direct assistance for you. There are many situations where a debt counsellor can help.
Debt counsellors can:
-Work with you
-Work with your creditors
-Provide excellent advice and service referrals
Many who struggle with [...]