This document provides information about personal bankruptcy procedures in British Columbia (BC), Canada. It discusses what bankruptcy is, eligibility requirements, the bankruptcy process, exemptions, costs, and effects. The main points covered are:
- Bankruptcy in BC allows eligible debtors to discharge unsecured debts in exchange for assigning non-exempt assets to a licensed trustee. It provides a fresh financial start.
- To file, you must be insolvent (owe $1,000 or more and unable to pay debts as they come due) and have lived in Canada in the past year.
- The process involves meeting with a trustee, filing forms, paying fees, submitting monthly income reports, attending financial counseling sessions, and
Bankruptcy allows individuals with overwhelming debt to get a fresh financial start by eliminating most debts. The document provides details on the bankruptcy process in Canada, including what assets can be kept, choosing a trustee, costs, steps in the process, debts that are erased, receiving a discharge, and rebuilding credit afterwards. It emphasizes that bankruptcy provides debt relief and a path to financial recovery.
This document provides information about bankruptcy in Canada. It discusses the benefits of bankruptcy such as eliminating unsecured debts, stopping collections, and receiving immediate protection from creditors. It notes that bankruptcy offers a fresh start and is a fair process. Additionally, it mentions that bankruptcy allows debtors to keep certain assets and live debt free within 9 months if no surplus income exists. The document provides more details on costs, exemptions, included and excluded debts, and alternatives to bankruptcy.
A consumer proposal is a legally binding agreement administered by a Licensed Insolvency Trustee where a debtor proposes a repayment plan to creditors to pay back a percentage of outstanding debts over 3-5 years. If accepted by creditors, it allows the debtor to avoid bankruptcy and keep their assets while resolving debts more affordably. Key aspects include developing a fair proposal, making regular payments, attending credit counseling, and having the proposal recorded on their credit report for up to 8 years. Secured debts like mortgages cannot be included in a proposal.
Bankruptcy is a legal process governed by federal law that provides a fresh financial start for honest debtors. It stops debt collection actions and accrued interest. Most bankruptcies cost $1,800 paid over 9 months. To be eligible, a person must owe $1,000 or more and be unable to pay their debts. The bankruptcy process involves voluntarily assigning into bankruptcy with a licensed trustee who notifies creditors and ensures a fair process. After completing required duties over typically 9 months, eligible debts are discharged although some debts like secured loans and recent student loans are excluded.
This document provides an overview of various options for getting out of debt, including doing nothing if one's income is protected from garnishment, negotiating with creditors for debt forgiveness, using assets to pay off debts, obtaining a second job or consolidation loan, reducing expenses, working with a credit counselor, filing an informal proposal or consumer proposal, and ultimately filing for bankruptcy as a last resort. It discusses the advantages and disadvantages of each approach and provides resources for provincial orderly payment programs.
This document provides information about filing for bankruptcy in Canada. It discusses finding a licensed insolvency trustee to assist with the process, eligibility requirements, duties during bankruptcy, the administration of bankruptcy by a trustee, who will know about the bankruptcy, and how to file and receive a discharge. Filing bankruptcy in Canada provides a fresh start and relief from unsecured debt through the formal process overseen by a licensed trustee.
A Licensed Insolvency Trustee is an individual licensed by the OSB to administer bankruptcies and consumer proposals. They guide individuals through the bankruptcy process, ensuring both the individual's and creditors' rights are protected. They are responsible for submitting necessary paperwork, dealing with creditors, selling assets, distributing funds to creditors, and providing counseling. Licensed Insolvency Trustees are regulated professionals who can be trusted to fairly administer the bankruptcy process.
This document provides information about filing for bankruptcy in Ontario, Canada. It discusses the bankruptcy process in Ontario, how long a bankruptcy will last, factors that influence bankruptcy length, eligibility requirements, and types of debts eliminated by bankruptcy. The document is a guide for Ontario residents considering bankruptcy that explains considerations and steps involved in the bankruptcy filing process.
Bankruptcy allows individuals with overwhelming debt to get a fresh financial start by eliminating most debts. The document provides details on the bankruptcy process in Canada, including what assets can be kept, choosing a trustee, costs, steps in the process, debts that are erased, receiving a discharge, and rebuilding credit afterwards. It emphasizes that bankruptcy provides debt relief and a path to financial recovery.
This document provides information about bankruptcy in Canada. It discusses the benefits of bankruptcy such as eliminating unsecured debts, stopping collections, and receiving immediate protection from creditors. It notes that bankruptcy offers a fresh start and is a fair process. Additionally, it mentions that bankruptcy allows debtors to keep certain assets and live debt free within 9 months if no surplus income exists. The document provides more details on costs, exemptions, included and excluded debts, and alternatives to bankruptcy.
A consumer proposal is a legally binding agreement administered by a Licensed Insolvency Trustee where a debtor proposes a repayment plan to creditors to pay back a percentage of outstanding debts over 3-5 years. If accepted by creditors, it allows the debtor to avoid bankruptcy and keep their assets while resolving debts more affordably. Key aspects include developing a fair proposal, making regular payments, attending credit counseling, and having the proposal recorded on their credit report for up to 8 years. Secured debts like mortgages cannot be included in a proposal.
Bankruptcy is a legal process governed by federal law that provides a fresh financial start for honest debtors. It stops debt collection actions and accrued interest. Most bankruptcies cost $1,800 paid over 9 months. To be eligible, a person must owe $1,000 or more and be unable to pay their debts. The bankruptcy process involves voluntarily assigning into bankruptcy with a licensed trustee who notifies creditors and ensures a fair process. After completing required duties over typically 9 months, eligible debts are discharged although some debts like secured loans and recent student loans are excluded.
This document provides an overview of various options for getting out of debt, including doing nothing if one's income is protected from garnishment, negotiating with creditors for debt forgiveness, using assets to pay off debts, obtaining a second job or consolidation loan, reducing expenses, working with a credit counselor, filing an informal proposal or consumer proposal, and ultimately filing for bankruptcy as a last resort. It discusses the advantages and disadvantages of each approach and provides resources for provincial orderly payment programs.
This document provides information about filing for bankruptcy in Canada. It discusses finding a licensed insolvency trustee to assist with the process, eligibility requirements, duties during bankruptcy, the administration of bankruptcy by a trustee, who will know about the bankruptcy, and how to file and receive a discharge. Filing bankruptcy in Canada provides a fresh start and relief from unsecured debt through the formal process overseen by a licensed trustee.
A Licensed Insolvency Trustee is an individual licensed by the OSB to administer bankruptcies and consumer proposals. They guide individuals through the bankruptcy process, ensuring both the individual's and creditors' rights are protected. They are responsible for submitting necessary paperwork, dealing with creditors, selling assets, distributing funds to creditors, and providing counseling. Licensed Insolvency Trustees are regulated professionals who can be trusted to fairly administer the bankruptcy process.
This document provides information about filing for bankruptcy in Ontario, Canada. It discusses the bankruptcy process in Ontario, how long a bankruptcy will last, factors that influence bankruptcy length, eligibility requirements, and types of debts eliminated by bankruptcy. The document is a guide for Ontario residents considering bankruptcy that explains considerations and steps involved in the bankruptcy filing process.
Under Alberta bankruptcy laws, individuals who are overwhelmed with debts they cannot repay are given the opportunity to have those debts eliminated in order to start a new financial life. Filing bankruptcy in Alberta involves surrendering non-exempt assets in exchange for eliminating unsecured debts. The process is overseen by a Licensed Insolvency Trustee and usually takes 9 months, though it may be extended up to 21 months if the individual has surplus income over a set threshold. The Alberta bankruptcy exemptions allow individuals to keep certain assets like their primary residence (up to $40,000 equity), vehicles ($5,000 equity), tools of the trade ($10,000), and retirement savings.
Bankruptcy law in Canada is governed by the federal Bankruptcy and Insolvency Act and overseen by licensed bankruptcy trustees. The Act provides options like bankruptcy and consumer proposals to help individuals and businesses with financial problems get a fresh start. While bankruptcy is a federal law, provinces add their own laws and set exemptions for assets. It is important for those struggling financially to contact a licensed bankruptcy trustee for help navigating the insolvency process and options.
Credit & Debt Issues for Military Familiesmilfamln
For the webinar, Credit & Debt Issues for Military Families, hosted by the Personal Finance Concentration Area of the Military Families Learning Network on September 20, 2016
Family Legal Guide Chapter 8 Bankruptcylegalcounsel
This document discusses consumer bankruptcy and provides information to help individuals determine if bankruptcy is the best option for dealing with financial distress. It defines bankruptcy, explains the different chapters (7 and 13), and discusses the process and consequences of filing. While bankruptcy eliminates most unsecured debts, it has long-lasting negative consequences like affecting one's credit for up to 10 years. The document provides alternatives to bankruptcy like debt management plans and explains how to find legal assistance if pursuing bankruptcy.
A personal, no asset bankruptcy is known as Chapter 7. For this type of bankruptcy, our clients keep all of the assets they want to
keep (home if it qualifies, motor vehicle, personal property, clothing, etc.) and discharge all their consumer debts. We will work with you to determine that all of your assets are kept protected from the creditors.
Bankruptcy is a federal court process that allows debtors to eliminate debts through selling assets or repayment plans (Chapter 7 or 13). Some debt relief companies take advantage of desperate people by charging large fees and providing misleading information about bankruptcy. Filing bankruptcy can negatively impact credit scores and future financial opportunities like loans and housing. It is better to avoid bankruptcy by negotiating with creditors for debt reduction, getting a low interest loan for consolidation, contacting creditors to explain your situation, or seeking help from debt management agencies to create a repayment plan. With the right strategies, people can resolve debt issues without declaring bankruptcy.
This document provides an overview of filing for Chapter 7 bankruptcy. It discusses the initial consultation process to determine if bankruptcy is necessary, important timing considerations, information that will be needed about assets, liabilities, and past/future events, the bankruptcy plan and petition that will be filed, the automatic stay and creditors meeting that will occur, and finally receiving the discharge that eliminates most debt. The overall goal is to help individuals understand the bankruptcy process and determine the best path forward to deal with debt issues.
Bankruptcy is a legal process for people or businesses that cannot pay their debts. It is based on federal law and involves court proceedings. The main goals of bankruptcy are to provide relief for debtors and to repay creditors. There are different chapters of bankruptcy for individuals, businesses, municipalities, and foreign companies. Debts can be dischargeable, meaning no longer owed after bankruptcy, or non-dischargeable, requiring payment even after filing. Common dischargeable debts include credit cards, loans, and business or vehicle payments, while non-dischargeable debts often involve taxes, child support, fines, or student loans.
The document discusses key concepts in US bankruptcy law, including:
1) Chapter 11 bankruptcy allows for reorganization of a business while Chapter 7 involves liquidation of assets. Chapter 11 is increasingly being used for liquidations through selling the business as a "going concern".
2) Upon filing for bankruptcy, an automatic stay is put into place that prevents creditors from collecting pre-petition debts or taking other collection actions without court approval.
3) Debtors often file "first day motions", including motions to approve debtor-in-possession (DIP) financing to continue operating during bankruptcy. Courts usually approve DIP financing to allow debtors to continue operating.
4) The document provides an overview
This document provides an overview of business failure, bankruptcy, reorganization, and liquidation. It discusses the major causes of business failure, sizes of firms more prone to failure, key issues managers face in financial distress, informal and formal bankruptcy remedies, U.S. bankruptcy law terminology, differences between informal and formal reorganization, prepackaged bankruptcies, priority of claims in Chapter 7 liquidation, and criticisms and recent changes to bankruptcy laws.
Small business owners who are weighed down by debt often have personal assets at risk. Learn about bankruptcy and other debt relief options, as well as which types of property can be protected from creditors.
Paul Caston is an attorney based in Hattiesburg, Mississippi who has been practicing law for two decades. He founded his private law office, Paul Caston Attorney at Law, in 2009, where he provides consumers with debt relief options such as bankruptcy. Before filing for bankruptcy, consumers should consider what types of debts will and will not be discharged and how bankruptcy may affect cosigners on loans and retirement accounts, with some protections but not for inherited IRAs.
This document discusses payday lending and its alternatives. It defines payday loans as short-term loans where a borrower receives cash in exchange for writing a post-dated check or authorizing electronic access to their bank account. The document outlines that most federal consumer credit laws apply to payday lending and notes some unique issues these loans raise. It also discusses the various state laws that regulate payday lending. Finally, the document lists some alternatives to payday loans, including longer-term loans, borrowing from friends or family, pawn shops, and selling possessions.
The document discusses the National Organization of Assistance to Homeowners (NOAH) in Northern California and its partnership with the Twin Builders Foundation Corporation (TBFC) to help homeowners facing foreclosure. It describes TBFC's financial wellness program and "Full Circle Package" that provides debt management, credit education, and other services. It also details TBFC's HOPE software system for financial wellness and mentions class action lawsuits filed against lenders for inaccurate loan documents and foreclosure violations. Homeowners are encouraged to become members of TBFC for $5,000 to receive legal assistance and stay in their homes while lawsuits proceed.
This document summarizes the services provided by Hoverson Law Offices, which include bankruptcy, debt relief, and student loan assistance. They help individuals and businesses file for different types of bankruptcy to resolve debts or restructure payments. The law firm provides bankruptcy legal services and helps clients determine the best options for their financial situations. Michael Hoverson has over 28 years of experience as a bankruptcy attorney and ensures clients receive personalized attention.
Bankruptcy is a legal life line for people drowning in debt. Consumers and businesses petition courts to release them from liability for their debts. In a majority of cases, the request is granted.
This document provides information about debt settlement training from Simplified Debt Solutions. It outlines their thorough training program for affiliates, which includes ongoing education on industry changes. Typical training involves completing a training series, attending Q&A sessions, and additional sales training. Common consumer debt statistics are presented, showing high credit card usage and bankruptcy rates in the US. Debt settlement is described as negotiating unsecured debt down in a lump sum payment, providing a win-win solution for creditors and consumers. Frequently asked questions about the debt settlement process are answered.
Michael Kloekner from Clime Asset Management discusses strategies for SMSFs and estate planning. He covers SMSF structuring using individual versus corporate trustees. Estate planning strategies like testamentary trusts and binding death benefit nominations are explained. The importance of powers of attorney, especially enduring powers of attorney, is highlighted to ensure your financial affairs can be managed if you lose capacity. Case studies demonstrate how these strategies can help with tax minimization, asset protection, and allowing your wishes to be followed in the event of incapacity or death.
You can liberate your credit score by following some well-established guidelines. Use this quick-start guide as a primer to the world of DIY credit repair.
Kevin Thatcher & Associates Ltd. your trustee in bankruptcy. Visit us today at http://billfixer.com/ to learn more, and let us help you get your financial life back on track.
Under Alberta bankruptcy laws, individuals who are overwhelmed with debts they cannot repay are given the opportunity to have those debts eliminated in order to start a new financial life. Filing bankruptcy in Alberta involves surrendering non-exempt assets in exchange for eliminating unsecured debts. The process is overseen by a Licensed Insolvency Trustee and usually takes 9 months, though it may be extended up to 21 months if the individual has surplus income over a set threshold. The Alberta bankruptcy exemptions allow individuals to keep certain assets like their primary residence (up to $40,000 equity), vehicles ($5,000 equity), tools of the trade ($10,000), and retirement savings.
Bankruptcy law in Canada is governed by the federal Bankruptcy and Insolvency Act and overseen by licensed bankruptcy trustees. The Act provides options like bankruptcy and consumer proposals to help individuals and businesses with financial problems get a fresh start. While bankruptcy is a federal law, provinces add their own laws and set exemptions for assets. It is important for those struggling financially to contact a licensed bankruptcy trustee for help navigating the insolvency process and options.
Credit & Debt Issues for Military Familiesmilfamln
For the webinar, Credit & Debt Issues for Military Families, hosted by the Personal Finance Concentration Area of the Military Families Learning Network on September 20, 2016
Family Legal Guide Chapter 8 Bankruptcylegalcounsel
This document discusses consumer bankruptcy and provides information to help individuals determine if bankruptcy is the best option for dealing with financial distress. It defines bankruptcy, explains the different chapters (7 and 13), and discusses the process and consequences of filing. While bankruptcy eliminates most unsecured debts, it has long-lasting negative consequences like affecting one's credit for up to 10 years. The document provides alternatives to bankruptcy like debt management plans and explains how to find legal assistance if pursuing bankruptcy.
A personal, no asset bankruptcy is known as Chapter 7. For this type of bankruptcy, our clients keep all of the assets they want to
keep (home if it qualifies, motor vehicle, personal property, clothing, etc.) and discharge all their consumer debts. We will work with you to determine that all of your assets are kept protected from the creditors.
Bankruptcy is a federal court process that allows debtors to eliminate debts through selling assets or repayment plans (Chapter 7 or 13). Some debt relief companies take advantage of desperate people by charging large fees and providing misleading information about bankruptcy. Filing bankruptcy can negatively impact credit scores and future financial opportunities like loans and housing. It is better to avoid bankruptcy by negotiating with creditors for debt reduction, getting a low interest loan for consolidation, contacting creditors to explain your situation, or seeking help from debt management agencies to create a repayment plan. With the right strategies, people can resolve debt issues without declaring bankruptcy.
This document provides an overview of filing for Chapter 7 bankruptcy. It discusses the initial consultation process to determine if bankruptcy is necessary, important timing considerations, information that will be needed about assets, liabilities, and past/future events, the bankruptcy plan and petition that will be filed, the automatic stay and creditors meeting that will occur, and finally receiving the discharge that eliminates most debt. The overall goal is to help individuals understand the bankruptcy process and determine the best path forward to deal with debt issues.
Bankruptcy is a legal process for people or businesses that cannot pay their debts. It is based on federal law and involves court proceedings. The main goals of bankruptcy are to provide relief for debtors and to repay creditors. There are different chapters of bankruptcy for individuals, businesses, municipalities, and foreign companies. Debts can be dischargeable, meaning no longer owed after bankruptcy, or non-dischargeable, requiring payment even after filing. Common dischargeable debts include credit cards, loans, and business or vehicle payments, while non-dischargeable debts often involve taxes, child support, fines, or student loans.
The document discusses key concepts in US bankruptcy law, including:
1) Chapter 11 bankruptcy allows for reorganization of a business while Chapter 7 involves liquidation of assets. Chapter 11 is increasingly being used for liquidations through selling the business as a "going concern".
2) Upon filing for bankruptcy, an automatic stay is put into place that prevents creditors from collecting pre-petition debts or taking other collection actions without court approval.
3) Debtors often file "first day motions", including motions to approve debtor-in-possession (DIP) financing to continue operating during bankruptcy. Courts usually approve DIP financing to allow debtors to continue operating.
4) The document provides an overview
This document provides an overview of business failure, bankruptcy, reorganization, and liquidation. It discusses the major causes of business failure, sizes of firms more prone to failure, key issues managers face in financial distress, informal and formal bankruptcy remedies, U.S. bankruptcy law terminology, differences between informal and formal reorganization, prepackaged bankruptcies, priority of claims in Chapter 7 liquidation, and criticisms and recent changes to bankruptcy laws.
Small business owners who are weighed down by debt often have personal assets at risk. Learn about bankruptcy and other debt relief options, as well as which types of property can be protected from creditors.
Paul Caston is an attorney based in Hattiesburg, Mississippi who has been practicing law for two decades. He founded his private law office, Paul Caston Attorney at Law, in 2009, where he provides consumers with debt relief options such as bankruptcy. Before filing for bankruptcy, consumers should consider what types of debts will and will not be discharged and how bankruptcy may affect cosigners on loans and retirement accounts, with some protections but not for inherited IRAs.
This document discusses payday lending and its alternatives. It defines payday loans as short-term loans where a borrower receives cash in exchange for writing a post-dated check or authorizing electronic access to their bank account. The document outlines that most federal consumer credit laws apply to payday lending and notes some unique issues these loans raise. It also discusses the various state laws that regulate payday lending. Finally, the document lists some alternatives to payday loans, including longer-term loans, borrowing from friends or family, pawn shops, and selling possessions.
The document discusses the National Organization of Assistance to Homeowners (NOAH) in Northern California and its partnership with the Twin Builders Foundation Corporation (TBFC) to help homeowners facing foreclosure. It describes TBFC's financial wellness program and "Full Circle Package" that provides debt management, credit education, and other services. It also details TBFC's HOPE software system for financial wellness and mentions class action lawsuits filed against lenders for inaccurate loan documents and foreclosure violations. Homeowners are encouraged to become members of TBFC for $5,000 to receive legal assistance and stay in their homes while lawsuits proceed.
This document summarizes the services provided by Hoverson Law Offices, which include bankruptcy, debt relief, and student loan assistance. They help individuals and businesses file for different types of bankruptcy to resolve debts or restructure payments. The law firm provides bankruptcy legal services and helps clients determine the best options for their financial situations. Michael Hoverson has over 28 years of experience as a bankruptcy attorney and ensures clients receive personalized attention.
Bankruptcy is a legal life line for people drowning in debt. Consumers and businesses petition courts to release them from liability for their debts. In a majority of cases, the request is granted.
This document provides information about debt settlement training from Simplified Debt Solutions. It outlines their thorough training program for affiliates, which includes ongoing education on industry changes. Typical training involves completing a training series, attending Q&A sessions, and additional sales training. Common consumer debt statistics are presented, showing high credit card usage and bankruptcy rates in the US. Debt settlement is described as negotiating unsecured debt down in a lump sum payment, providing a win-win solution for creditors and consumers. Frequently asked questions about the debt settlement process are answered.
Michael Kloekner from Clime Asset Management discusses strategies for SMSFs and estate planning. He covers SMSF structuring using individual versus corporate trustees. Estate planning strategies like testamentary trusts and binding death benefit nominations are explained. The importance of powers of attorney, especially enduring powers of attorney, is highlighted to ensure your financial affairs can be managed if you lose capacity. Case studies demonstrate how these strategies can help with tax minimization, asset protection, and allowing your wishes to be followed in the event of incapacity or death.
You can liberate your credit score by following some well-established guidelines. Use this quick-start guide as a primer to the world of DIY credit repair.
Kevin Thatcher & Associates Ltd. your trustee in bankruptcy. Visit us today at http://billfixer.com/ to learn more, and let us help you get your financial life back on track.
Picking Up The Pieces: Rebuilding Your Credit After Financial DisasterCurtis Rose
It happens to many people sooner or later: a financial challenge knocks you down and your credit goes down with you. How can you stop the descending spiral of financial collapse?
The good news is: while it does take some time and effort, even the worst credit can be salvaged and be well above average again within 12 months!
This special report details strategies that will get you back on a positive financial track and help you rebuild your credit quickly.
Foreclosure attorney explains: 7 steps to solve foreclosure in illinoisjustinabdilla
Illinois Foreclosure Attorney Justin Abdilla shares his key factors to solving foreclosure with advice on short sales, loan modification, court foreclosure, and mediation.
Debt Advisory Hotline is an Australian owned and based company with a focus of providing tailored debt solutions to people with debt commitments that have become unmanageable & want to unlock their financial freedom.
Staff at Debt Advisory Hotline are highly experienced and qualified to assist in finding, creating and providing positive solutions to ease clients' financial worries and they are motivated to genuinely assist clients by offering affordable, attractive and viable alternatives for anyone experiencing financial distress.
Credit Repair Education for Libraries 6.15.19Victor Johnson
Victor Vonico Johnson, as General Partner for Credit Restoration Mentors, conducts a talk at a Carrollton Texas Library to educate the community about the benefits of good credit, and how to achieve it.
Take creditors and collection agents to small claims courtMarcel Duma
The document provides guidance on taking creditors and collection agents to small claims court. It discusses why legal action may be needed if they are engaging in illegal practices like harassment. It outlines the benefits of small claims court, including getting compensation and forcing changes to improper practices. Steps are provided to prepare for small claims court, including documenting harassment, identifying the other party accurately, and filing the necessary forms and paying fees.
Filing for bankruptcy negatively impacts one's credit score and history. However, it is possible to repair credit post-bankruptcy within two years through responsible credit card use and on-time payments. Obtaining a secured credit card and paying the balance in full each month can help rebuild credit over time. After debts are discharged, focus on saving for a down payment of 10-15% and maintaining stable income for 1-2 years to qualify for a mortgage with similar interest rates to those without bankruptcy on their record.
Filing for bankruptcy can help repair credit over time. Within two years of discharge, it is possible to get similar mortgage rates as those without bankruptcy. The key is obtaining a secured credit card and using it responsibly by paying the full balance on time each month. Requesting credit limit increases every few months while maintaining good payment history can further rebuild creditworthiness. When buying a house post-bankruptcy, lenders consider down payment size, income stability for 1-2 years, and debt-to-income ratio, which may be lower after discharge of previous debts.
BUYING YOUR FIRST HOME - capitalhomelending.cacapitalhl
1) The document provides guidance on shopping for a mortgage by outlining three key steps: understanding your mortgage needs and options, getting pre-approved, and making the right decision.
2) The first step involves determining how much you can afford for a down payment, mortgage payments, fees and deciding on a mortgage term, amortization period, and whether to choose a fixed or variable interest rate.
3) The second step is to get pre-approved in order to understand what you qualify for before house hunting, and the third step is to consider all costs when deciding on the right mortgage.
Brian Linnekens provides tips to improve credit score after bankruptcyBrian Linnekens
One of the most important steps of managing your credit is to clear your credit reports of errors from TransUnion, Equifax, and Experian. Under the Fair Credit Reporting Act, It is your right to dispute inaccuracies. Ensure that your credit reports have correctly labeled your pre-bankruptcy debt as “included in BK”. If a debt you included in the bankruptcy is not being reported correctly, contact the credit bureau reporting the information to start a dispute and have the information corrected.
This document provides information on managing debt, including tips for making a debt repayment plan and budget, differentiating between good and bad types of debt, dealing with debt through payment strategies or consolidation, options for bankruptcy, and seeking help from debt counseling services or CPAs. Key steps include outlining repayment goals, honestly evaluating expenses through budgeting, prioritizing payment of high-interest debt, and consolidating loans if in a difficult situation to simplify payments over time. Bankruptcy should only be considered as a last resort.
This document provides information about Blue Water Credit, a credit restoration company. It summarizes their services, which include improving credit scores to qualify for loans, settling debts, removing disputed accounts from credit reports, and credit report reviews. It also discusses credit scores and reports, how long negative items stay on reports, and tips for credit repair do's and don'ts.
My Money Story Series: Credit Karma Talks Finances, Credit, and DebtKabbage
Visit our SlideShare to learn from our partner, Credit Karma, why you should check and build your credit report, best practices for establishing financial health, and how to recover from debt.
This document provides information about credit reports, credit scores, and credit restoration. It discusses the three major credit reporting agencies (Equifax, TransUnion, and Experian), how credit scores are determined, and what a good or bad credit score means. It outlines the Fair Credit Reporting Act and consumers' rights to dispute inaccurate or unverifiable information on their credit reports. The document advertises credit restoration and dispute assistance services from New Home Solutions & Investments that can help consumers write dispute letters and remove derogatory items like bankruptcies, foreclosures, and collections from their credit reports. Pricing for these services starts at $1350 and includes credit education materials and assistance submitting disputes to the three credit bure
This document provides information about credit reports, credit scores, and credit restoration. It discusses the three major credit reporting agencies (Equifax, TransUnion, and Experian), how credit scores are determined, and what a good or bad credit score means. It outlines the Fair Credit Reporting Act and consumers' rights to dispute inaccurate or unverifiable information on their credit reports. The document advertises credit restoration and dispute assistance services from New Home Solutions & Investments that can help consumers write dispute letters and remove derogatory items like bankruptcies, foreclosures, and collections from their credit reports. Pricing for the credit restoration services starts at $1350.
This document provides an overview and guide to mortgages from Chicago Bancorp. It begins with an introduction to Chicago Bancorp and what they offer. It then outlines the basic loan process in 3 steps. Next, it explains the pre-approval process and compares it to pre-qualification. It also provides information on shopping for a home, the approval process, common loan programs including fixed rate, adjustable rate, FHA, VA, and Jumbo loans. Additionally, it defines what makes up a monthly mortgage payment and provides a good faith estimate and closing costs worksheet. Finally, it concludes with a glossary of common mortgage terms.
5 credit secrets revealed on getting approved for financing powerpointDane Wilson
This document reveals secrets for getting approved for financing with challenged credit. It discusses what credit scores and histories mortgage, auto, and other lenders typically require. The key tips are to dispute negative items on your credit report to have them removed, and to add new positive credit accounts to show re-established credit and increase credit limits available. Following these steps can boost your credit scores into the range needed to qualify for loans by deleting negative information and building positive payment histories over time.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
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Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
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2. Table of Contents
• Page 3: Bankruptcy BC Information
• Page 6: What is Personal Bankruptcy in BC?
• Page 7: Can I File For Bankruptcy in BC?
• Page 8: What Happens When I File
Personal Bankruptcy in BC?
• Page 10: What is Surplus Income?
• Page 11: What Are The Steps to
Filing Personal Bankruptcy in BC?
• Page 18: What Can I Keep?
• Page 20: What is The Cost of Bankruptcy in
BC?
• Page 21: When Are My Debts Extinguished?
• Page 23: What Debts Survive?
• Page 24: How Does Filing Bankruptcy Affect
My Credit Rating?
• Page 25: Who Will Know I Filed Bankruptcy?
• Page 26: Bankruptcy British Columbia
• Page 27: Why You Should Use a
British Columbia Bankruptcy Trustee
• Page 31: Providing BC Bankruptcy Information
BankruptcyCanada.com
3. Bankruptcy BC Information
• Bankruptcy Law is designed to allow a person who has debts they
cannot repay a chance for a new financial life by eliminating their
debts.
• Our website has full bankruptcy BC information so people who are
considering filing bankruptcy can make an informed decision about
bankruptcy before visiting with a trustee. When you meet with
one of our bankruptcy BC Licensed Insolvency trustees you will
have a good idea of how the bankruptcy laws can help you if you
read the information on our site.
• For first time debtors’ bankruptcy can wipe out all of our eligible
debts within 9 months, or within 21 months if the debtor has
excess income (over $100 a month.)
BankruptcyCanada.com
4. Bankruptcy BC Information
• Most debtors who file bankruptcy have no assets that
they will lose when filing bankruptcy, and a BC
bankruptcy allows a person to receive a fast fresh start
to their financial life.
• Under bankruptcy BC law, debtors filing bankruptcy are
allowed to keep certain assets, known as
bankruptcy exemptions.
• If you have property that is not covered by the
bankruptcy BC bankruptcy exemptions, or you wish to
repay your debts over a longer period of time you can
file a Consumer Proposal.
BankruptcyCanada.com
5. Bankruptcy BC Information
• A consumer proposal will last for a period of three to
five years. The Bankruptcy BC laws cover proposals and
do not allow a proposal to last longer than 5 years.
• When you want to talk with one of our bankruptcy BC
Licensed Insolvency Trustees in bankruptcy about filing
bankruptcy, you can call one of our listed trustees in
bankruptcy in BC to set up a free consultation meeting.
• After you are discharged from bankruptcy you can
rebuild your credit score and get a credit card.
BankruptcyCanada.com
6. What is Personal Bankruptcy BC?
• Filing bankruptcy in BC is a legal process that allows you to receive
a discharge of your unsecured debts in exchange for assigning any
non-exempt assets you own to a licensed insolvency trustee. In BC,
most debtors that file personal bankruptcy have all of their assets
protected by the BC bankruptcy exemptions. This means that most
bankrupts in BC can keep all of their assets when going bankrupt.
• BC bankruptcy is a federal law governed by the Bankruptcy &
Insolvency Act, and certain BC bankruptcy rules. The BC
bankruptcy laws were written to give an unfortunate but honest
debtor to receive a discharge of their debts. Your Trustee will also
ensure that your creditors are treated in an equal and fair manner.
• The BC bankruptcy process gives you a fresh start financially.
BankruptcyCanada.com
7. Can I File For Bankruptcy in BC?
• You are eligible to file for bankruptcy in BC (and the
rest of Canada) if you have lived or done business in
Canada in the past year, and if you are insolvent.
• Insolvent means that you owe $1,000 and are
unable to pay your debts as they are due and have
more debts than the value of your assets.
BankruptcyCanada.com
8. What Happens When I File
Personal Bankruptcy in British Columbia?
• Immediately upon filing bankruptcy all collection
actions, either in place or being planned, will be
stopped. All wage garnishments, collection calls, and
lawsuits against you will stop. This happens through the
Personal Bankruptcy BC law known as the “Stay of
Proceedings.” It is important to note that bankruptcy
only deals with unsecured debts, so you can still receive
a collection call or be sued by a secured creditor. Often
people struggling with debt find that the relief from
unsecured debts makes paying their secured debt
obligations much easier.
BankruptcyCanada.com
9. What Happens When I File
Personal Bankruptcy in British Columbia?
• Once you have filed bankruptcy you will stop paying
your unsecured debts, and you will make a payment
each month to your Trustee. The minimum payment
for bankruptcy in British Columbia is $200 a month,
although if you have surplus income your
bankruptcy payment will be higher each month. You
are required to submit to your Trustee proof of your
net income each month, so the Trustee can
calculate if you have surplus income requirements.
BankruptcyCanada.com
10. What is Surplus Income?
• Surplus income is required if your household
income is over an income threshold set by the
government based on the size of the family unit. If
you have surplus income, you must pay a portion of
this surplus – 50% – to your Trustee, who will
distribute your surplus income to your unsecured
creditors.
BankruptcyCanada.com
11. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 1: Schedule a Free BC Bankruptcy
Consultation With a Licensed Insolvency Trustee
• You can call a local trustee in your area to have your
financial situation assessed by a government licensed
trustee. The trustee will meet with you to discuss your
financial situation and then the trustee will explain all of
your possible options, including personal bankruptcy.
Your trustee might also suggest a consumer proposal or
will be able to help you avoid bankruptcy and a proposal
altogether.
BankruptcyCanada.com
•
12. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 1: Schedule a Free BC Bankruptcy
Consultation With a Licensed Insolvency Trustee
• If you and the trustee decide that BC bankruptcy is the
right choice for your money problems, the trustee will
cover everything that personal bankruptcy involves. The
trustee will cover the required payment you will have to
make each month, how long your bankruptcy will be,
the duties you will be required to complete, and the
impact of bankruptcy on your spouse, family and credit
rating. The trustee will answer all of your questions
about BC bankruptcy, and will ensure that you are
comfortable with starting the process.
BankruptcyCanada.com
13. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 2: Fill out and Sign the
Necessary Bankruptcy Forms
• The trustee you meet with will provide you an
application form to fill out. Once you have
completed this form you will return it to the Trustee.
Most Trustees will have an application form you can
fill out online and email to the Trustee.
BankruptcyCanada.com
14. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 2: Fill out and Sign the
Necessary Bankruptcy Forms
• Once the Trustee has your signed application form, they will
prepare all the necessary legal bankruptcy forms that are
required to file personal bankruptcy in BC. These forms can
be processed very quickly if you need immediate relief from
your creditors. The Trustee will cover all the documents with
you to ensure that you have a full understanding of the legal
process and your duties in a personal BC bankruptcy. We will
ensure you are aware of your duties and what is expected of
you as a bankrupt. Once you are comfortable you will sign all
the forms and the Trustee will submit them to the OSB
(Office of the Superintendent of Bankruptcy.)
BankruptcyCanada.com
15. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 3: Report Your Income and Expenses, Pay the
Required Fees and Complete Any Other Duties
• One of your main duties as a bankrupt is to submit to
your Trustee a monthly statement of your income and
expenses each month. Your Trustee will use this to
determine if you have any surplus income requirements.
You will also be required to submit your payment to the
Trustee each month ($200 monthly in a simple first time
bankruptcy) and complete any other duties that the
Trustee requests of you.
BankruptcyCanada.com
16. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 4: Attend the 2 Required
Financial Counselling Sessions
• As a bankrupt another of your required duties in order
to receive your discharge is to complete two financial
counselling sessions with your Trustee. You can
complete these counselling sessions with another group
of bankrupts, or you can have it 1 on 1 with your
Trustee. The meetings will usually last one hour, and are
intended to teach you good financial management skills.
The first meeting must be held within 30 days of your
bankruptcy filing, and the second meeting usually
occurs at the 7th month of your bankruptcy.
BankruptcyCanada.com
17. What are the Steps to
Filing Personal Bankruptcy in BC?
• Step 5: Receive Your Bankruptcy BC Discharge
• Once you have completed your personal bankruptcy, along with all
of the necessary duties, you will receive your discharge from
bankruptcy. Your debts will be discharged and you will have a fresh
financial start.
• Your discharge might be objected by your creditors, the Trustee or
the Office of the Superintendent of Bankruptcy, although this is
very rare, and is almost always because you didn’t complete your
duties, which your Trustee will help you complete so your
discharge is not objected.
• Once you have received your discharge you will be issued a
certificate of discharge from your Trustee. You now have your
fresh financial start and can begin rebuilding your credit.
BankruptcyCanada.com
18. Bankruptcy BC: What Can I Keep?
• When you file bankruptcy in BC you are permitted
to retain your assets that are listed in the
bankruptcy exemptions. The BC bankruptcy rules lay
out which assets are exempt for BC bankruptcy.
The personal bankruptcy exemptions in BC include:
BankruptcyCanada.com
19. Bankruptcy BC: What Can I Keep?
• Your car with equity of $5,000 or less (If your car is worth $25,000 but
you have a $20,000 loan on it, you have equity of $5,000 and can keep
the vehicle. The vehicle exemption in BC drops to $2,000 if the bankrupt
is behind on child care payments;
• Your home if the equity is $9,000 (or $12,000 of equity in the Greater
Vancouver Regional District or the Capital Regional District);
• $10,000 in “Tools of the Trade”;
• Household goods to a value of $4,000 (Resale value);
• Necessary clothing for the debtor and the family;
• Required medical aids for the debtor and family;
• RRSPs (Any amounts invested in the prior 12 months must be
surrendered to the Trustee for benefit of your creditors.)
BankruptcyCanada.com
20. What is The Cost of Bankruptcy in BC?
• The cost of filing bankruptcy in British Columbia is a
minimum of $1,800, which includes the Trustee
fees. Most Trustees will accept $200 a month for 9
months, which is the minimum length of
bankruptcy. The cost of filing bankruptcy in BC can
increase substantially however if you are required to
pay surplus income payments. In certain cases, you
might find a consumer proposal more cost effective
than filing for bankruptcy.
BankruptcyCanada.com
21. When Are My Debts Extinguished?
• Your unsecured debts (with certain minor exceptions)
will be legally eliminated when you receive your
bankruptcy discharge. For most bankruptcies the
discharge occurs automatically after 9 months. This is
for a first time bankruptcy in BC, where the debtor has
no surplus income requirements. The bankruptcy
discharge will be delayed if the debtor has a prior
bankruptcy or must make surplus income payments.
• Your discharge from bankruptcy can also be delayed if
you don’t complete your bankruptcy duties.
BankruptcyCanada.com
22. When Are My Debts Extinguished?
• A first time bankrupt with no surplus income, who completes all his
duties, will receive their discharge automatically in 9 months;
• A first time bankrupt with surplus income, who completes all his duties,
will receive their discharge from bankruptcy automatically in 21 months;
• A second time bankrupt with no surplus income, who completes all his
duties, will receive their discharge automatically in 24 months;
• A second time bankrupt with surplus income, who completes all his
duties, will receive their discharge from bankruptcy automatically in 36
months;
• A third time bankrupt will have to go to court to receive their bankruptcy
discharge.
BankruptcyCanada.com
23. What Debts Survive Filing Bankruptcy in BC?
• All of a bankrupt’s debts will be legally discharged once they receive their
absolute discharge from bankruptcy with the following exceptions:
• Secured debts (bankruptcy only deals with unsecured debts);
• Child support payments;
• Alimony;
• Debts obtained through fraud;
• Debts not included in the bankruptcy (ie, debts you incur during your
bankruptcy);
• Court ordered fines or penalties;
• Student loans, if you have not been out of school for at least 7
years.Section 178 of the Bankruptcy and Insolvency Act lists the debts
that are not dischargeable in a personal BC bankruptcy.
BankruptcyCanada.com
24. How Does Filing Bankruptcy
Affect my Credit Rating?
• When you go bankrupt you will receive an R9 credit rating on your credit report,
which is the lowest score. However, if you are insolvent and considering
bankruptcy, your credit score is probably already as low as it can get. Even though
your bankruptcy will appear on your credit report for at least 6 years (or 14 years
for a second bankruptcy), filing bankruptcy gives you a fresh start, which is often
exactly what bankrupts need to begin rebuilding your credit.
• A record of your bankruptcy being on your credit report will not mean you are
refused credit.
• After you have received your bankruptcy discharge, you can immediately begin
rebuilding your credit score. In fact, a bankrupt can receive a mortgage – which is
often the most difficult credit to be approved for – within as little as 2 years after
their bankruptcy discharge if they work diligently at rebuilding their credit.
• Before going bankrupt many BC debtors have a very poor credit score, and
actually filing bankruptcy is their first step to rebuilding a good credit score.
BankruptcyCanada.com
25. Who Will Know I Filed Personal Bankruptcy in BC?
• While your bankruptcy filing is a matter of public record,
your friends and family will likely never know you went
bankrupt unless you decide to tell them. Your employer
will also never know of your bankruptcy, unless your
wages were garnished (in which case your employer will
be notified to stop the wage garnishment.)
• Your bankruptcy will appear on your credit report and
your creditors will be notified, but your Trustee does not
notify anyone else, and no notice is made in the
newspaper for personal bankruptcies in British
Columbia.
BankruptcyCanada.com
26. Bankruptcy British Columbia
• Personal bankruptcy in British Columbia is for
individuals who are facing financial difficulties and
finding it hard to manage. There are some bankruptcy
alternatives that could be available to you, although
bankruptcy helps hundreds of British Columbia residents
get out of debt every month.
• To learn more about BC bankruptcy, British Columbia
consumer proposals, and other bankruptcy alternatives
please contact one of our Government Licensed British
Columbia Bankruptcy Experts today. You can schedule a
free consultation and get answers to all of your
questions.
BankruptcyCanada.com
27. Why you Should use a British Columbia Bankruptcy
Trustee if you have Serious Debt Problems
• Bankruptcy Trustee Expertise: A Licensed
Insolvency Trustee must undergo rigorous training
and receive training in a bankruptcy and law course
before they can be granted a trustee license. Most
trustees have an accounting certification in addition
to their university degree. Bankruptcy trustees in BC
must be investigated by the RCMP and engage in
ongoing professional development.
BankruptcyCanada.com
28. Why you Should use a British Columbia Bankruptcy
Trustee if you have Serious Debt Problems
• Protection From Your Creditors: Under the BC
bankruptcy laws a bankruptcy trustee is the only
debt relief professional who can provide you with
protection from creditor harassment.
• Rebuild Credit: When you file bankruptcy or submit
a
consumer proposal you can rebuild your credit score
faster than by working with a credit counsellor.
BankruptcyCanada.com
29. Why you Should use a British Columbia Bankruptcy
Trustee if you have Serious Debt Problems
• Cost: BC Licensed Insolvency Trustees have their fees
controlled by the government so filing bankruptcy with
a BC Licensed Insolvency Trustees will be cheaper than
by using another debt consultant.
• BC Licensed Insolvency Trustees Have a High Level of
Integrity: Trustees must follow a strict code of ethics,
and in many cases will advise people that they can get
out of debt without filing
bankruptcy. BC Licensed Insolvency Trustees must give
you their best advice, whether that means you will file
bankruptcy with them or not.
BankruptcyCanada.com
30. Why you Should use a British Columbia Bankruptcy
Trustee if you have Serious Debt Problems
• Ease of Mind: BC Licensed Insolvency Trustees must
follow their strict code of ethics and are
also regulated by the government, ensuring that you
will be dealing with a professional when you file
bankruptcy with the services of a BC Licensed
Insolvency Trustees. Under Canadian law the only
debt relief professionals are bankruptcy trustees.
BankruptcyCanada.com
31. Providing BC Bankruptcy Information
• We wrote this site to provide personal bankruptcy and
consumer proposal information to residents of British
Columbia and Canada. We are proud to provide answers
about consumer proposals – the number one bankruptcy
alternative – and bankruptcy in British Columbia. This site is
for information only.
• Our Government Licensed BC Bankruptcy Trustees offer risk
free evaluation meetings to discuss your options, including
personal bankruptcy or a consumer proposal.
• Don’t hesitate to contact one of our British Columbia
bankruptcy experts today to learn how bankruptcy in BC can
help you get out of debt and get a fresh financial start.
BankruptcyCanada.com