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If you’re here, chances are money has stopped being a background worry and started intruding on everything else. Sleep. Focus.

Consumer Proposal vs. informal debt settlement: Finding a way forward that actually fits

December 17th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Harris & Partners Financial Resilience Index 2025: The Year Canadian Debt Stress Hit a Breaking Point

December 11th, 2025

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Quick answer: Yes, the CRA accepts consumer proposals in Canada when your offer meets their standards for repayment, compliance, and

Does the CRA Accept Consumer Proposals in Canada?

November 20th, 2025

Missing a consumer proposal payment puts your plan at risk, and falling three payments behind triggers an automatic annulment under

What happens if you miss a consumer proposal payment?

November 20th, 2025

Calculator on a calendar with envelopes, representing the calculation of affordable monthly payments for a Canadian consumer proposal

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How much do consumer proposals cost in Canada?

November 20th, 2025

Bankruptcy AlternativesFree Consumer Proposal Advice

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Bankruptcy or Consumer Proposal in Canada: Which is Right for You?

November 20th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Consumer proposals: A better choice than debt consolidation

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How to qualify for a consumer proposal in Canada (The full guide)

November 20th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

Christmas Spending Statistics 2025: Canadians brace for a budget-conscious holiday

November 10th, 2025

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If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

How to get out of gambling debt in Canada

October 14th, 2025

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What to consider if you can’t pay back student loans

October 14th, 2025

If you can’t pay back your student loans, act quickly—look into repayment assistance programs, talk to your lender, and if needed, explore legal debt relief options like a consumer proposal or bankruptcy with the...

A couple sitting at a kitchen table reviewing bills and financial documents, looking concerned, with a laptop, coffee pot, and paperwork spread out in front of them.

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Why 60% of Canadians feel worse off financially since 2020

October 7th, 2025

A new survey from Harris & Partners reveals that six in ten Canadians say they’re financially worse off today than they were in 2020. Even more concerning, nearly nine in ten report that everyday...

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What is notice of collection CRA? Your complete guide

September 30th, 2025

A notice of collection from the CRA is a formal warning that your tax debt is overdue and the Canada Revenue Agency may take legal action—such as garnishing wages or freezing bank accounts—if you...

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Why Canadian wages are failing to keep up with rising living costs

September 24th, 2025

Our latest survey has revealed a worrying reality for many Canadians: paycheques have barely budged in five years, while the

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How taxes work in a consumer proposal or bankruptcy

September 23rd, 2025

Filing taxes while in a consumer proposal or bankruptcy can be a confusing and stressful experience. However, it is important to understand that you are still required to file your taxes, even if you...