To pay or not to pay? That is the question…
What if you are faced with a hard decision. You have to decide what to pay and what not to pay. How do you decide? And how do you handle this stressful decision? Now...
Doctor Debt Blog
Love your debt!
I am totally going out on a limb with this one, but stay with me… You have all this debt. It’s depressing. You stress about the payments. You can’t have any fun because of...
Are you controlling credit or is it controlling you?
Your worthiness is not dependent on what other people think of you. Remember that when you enter the credit world. We are all so hung up on our “credit rating”, which essentially is a...
Help! I owe Canada Revenue Agency (CRA) money!
There are so many misconceptions around paying CRA for debt owed. I thought I would dedicate this blog to some of them. First, there are different kinds of debt. Personal Income Tax Payable –...
Should I switch bank (accounts)?
This question comes up often, but usually too late, after the Bank has taken money out of your account and left you short on your mortgage, car payment or any number of things scheduled...
Are you Nickle and Diming yourself to Debt
I was recently reflecting on the reasons that people walk through my door. Of course, they come to me because they are experiencing some type of financial hardship and they need advice. But I...
So, you have a great credit rating do ya?
just because your credit score is ok, and lenders say you “qualify” to borrow more money, doesn’t make it so, Look deeper.
A Kings Feast – have we lost our perspective?
We are all Pharaohs in the Western World (many of us anyway) and yet we act like we are scarce in riches. Take your throne and be grateful for the abundance at your finger tips.
But it’s NOT my debt!
A collection company calls. About a debt that is not yours. Or a debt that you paid off years ago. You explain the situation but they continue to call. What do you do next?
Who is the honest but unfortunate debtor?
Recently I was led to pondering one of the main objectives of the Bankruptcy and Insolvency Act. And that is providing a fresh start to the honest, but unfortunate, debtor. I found myself asking (myself), “Who is the honest, but unfortunate debtor?”