Sentences with phrase «not licensed insolvency trustees»

That's the question I want to ask my guest, who isn't a licensed insolvency trustee or credit counsellor and he doesn't work for a bank or payday lender.

Not exact matches

It is important to know that this initial assessment is free and you are not committed to anything by talking with a licensed insolvency trustee about your situation.

And do not hesitate to reach out to a licensed insolvency trustee if you already owe taxes and other debts.

The best thing about working with Westgeest & Associates, your Licensed Insolvency Trustee, is that we don't judge or belittle you for being in debt.

At Hoyes Michalos you always meet with a licensed insolvency trustee, not a salesperson.

Your Kitchener licensed insolvency trustee is like a referee in a hockey game: they don't work for either side, but they are there to make sure that everyone involved follows all of the rules.

When you find out that a payment arrangement is not possible or if you know before that you can not afford a payment arrangement it's time to talk to a Licensed Insolvency Trustee like Hoyes, Michalos.

I do not believe that a proposal arranged through a debt consultant will result in a proposal costing less than one arranged directly through a Licensed Insolvency Trustee.

Do not sign a contract that requires you to make any payments prior to meeting with a Licensed Insolvency Trustee, signing your proposal documents and having them filed with the government.

However, if the reason you are seeking a payday loan is because you can not keep up with your other debt payments, you may need to seek the advice of a licensed insolvency trustee.

A Licensed Insolvency Trustee can help you examine your financial situation so you're not left staring at an empty bank account if interest rates increase further and the Ontario housing market declines even more.

If the employee can not get the money, in most cases a Licensed Insolvency Trustee is also unable to access the money in the RRSP.

To determine whether or not your RRSP is locked in, or whether or not you would lose your RRSP in bankruptcy, you should gather all of the paperwork related to the RRSP, and contact a Licensed Insolvency Trustee for a free consultation.

However, if your debts are large, and if even cashing in your RRSP won't solve your problem, you need to consult with a licensed insolvency trustee.

If you are not able to pay your debts by selling or refinancing assets, it might be a good time to talk to a licensed insolvency trustee.

Or are you considering working with a Licensed Insolvency Trustee to sort out your debts but are worried you won't be able to re-establish your credit rating?

One thing Troy was careful to note was that 4 Pillars does not file for bankruptcy (or consumer proposals) on clients» behalf, since only Licensed Insolvency Trustees (LIT) can do that, per Canada's Bankruptcy Insolvency Act.

They are not accredited credit counsellors, paralegals, lawyers or Licensed Insolvency Trustees.

A Licensed Insolvency Trustee will not force you to file bankruptcy.

However, some companies have switched their business model, selling consumer proposals (even if they don't call them that) and charging the debtor a fee for advice then sending them to a licensed insolvency trustee any.

Only licensed insolvency trustees (the new designation for bankruptcy trustees in Canada) may administer a consumer proposal, so before you sign any agreements to pay, make certain you are dealing directly with a licensed trustee and not a debt consultant that will pocket your money and refer you elsewhere.

If you're unsure whether or not you qualify to file a Consumer Proposal, a Licensed Insolvency Trustee will meet with you in person, at no charge or obligation to discuss your debt options.

That means the strict rules and laws that licensed insolvency trustees must follow to ensure that the process is fair, do not apply to the debt consultants.

Working with a Licensed Insolvency Trustee, you will come to understand not only how to handle bankruptcy, but how to handle debt so you do not become entrenched in it again.

Seeing that things weren't changing for Eric, his counsellor suggested he meet with a licensed insolvency trustee to look at other options.

Our role as a Licensed Insolvency Trustee is to review your situation with you, conduct a debt assessment and present you with various options, not just bankruptcy.

Under bankruptcy law, an RRSP can not be seized by a licensed insolvency trustee except for contributions made in the last year.

Don't believe everything you read on a Facebook page, contact an expert, a Licensed Insolvency Trustee for the real answer in your situation.

Would you not expect that at least one Licensed Insolvency Trustee would be on the committee?

There is one credit counsellor, but not a single Licensed Insolvency Trustee is on the committee.

But, lawyers, not - for - profit credit counsellors, and licensed insolvency trustees are exempt from this requirement.

If you have old debts it's good to get professional advice, talk to a Licensed Insolvency Trustee, talk to a lawyer and figure out whether your debts apply or not.

Bankruptcy may not be your only debt solution, and as Licensed Insolvency Trustees we can help you evaluate all your debt options in White Rock, or any of our other BC office locations.

It is not surprising that a 2010 report on the causes of insolvency by one of our Licensed Insolvency Trustees, Hoyes, Michalos & Associates, found that marital or relationship breakdown was the primary cause of bankruptcy for 14 % of all baninsolvency by one of our Licensed Insolvency Trustees, Hoyes, Michalos & Associates, found that marital or relationship breakdown was the primary cause of bankruptcy for 14 % of all banInsolvency Trustees, Hoyes, Michalos & Associates, found that marital or relationship breakdown was the primary cause of bankruptcy for 14 % of all bankruptcies.

If she can not pay, she may need to talk with a Licensed Insolvency Trustee about her debt relief options.

If you're struggling with debt and don't know where to turn, our Licensed Insolvency Trustees are here to help!

What they don't say is that they are advertising the exact same service that only a Licensed Insolvency Trustee can administer: a consumer proposal.

While a consumer proposal is still a legal process filed through a Licensed Insolvency Trustee, you're not a bankrupt when you're in a proposal.

This more often than not would negate any potential savings they may be able to recommend to the licensed insolvency trustee when negotiating the terms of a successful proposal.

While it's true a licensed insolvency trustee represents the interest of all parties in a consumer proposal, including creditors and debtors, a reputable trustee will not negotiate a proposal that won't work or make you file bankruptcy if that's not the right solution.

You do not need to pay to see a licensed insolvency trustee — ever.

As licensed insolvency trustees, one of the first things we advise a debtor is not to fall behind in filing your tax returns.

If you're having a hard time dealing with mounting debt and don't know what to do, speak with one of our Licensed Insolvency Trustees in Newmarket!

Should your creditors have judgments and garnishment orders, waiting to file the Assignment does not make sense, in which case you will want to speak with a Licensed Insolvency Trustee.