Bankruptcy or a consumer proposal can save your home

 DEAL WITH IT TODAY!

YOU WILL BE FAR BETTER OFF ONCE YOU FACE IT.

Believe it or not you will feel and sleep better once you face your money problems and get help.

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Do You See Yourself in These Warning Signs of Debt or Financial Problems?

 

 

  • Your wages have been garnisheed
  • Loans or Credit Refused
  • Gambling Losses
  • Are you struggling to meet your rent or mortgage or car payments?
  • Are you making minimum monthly payments on your debts?
  • Are you borrowing money from family or friends to survive from one payday to the next?
  • You continually go over your credit limit
  • Your credit cards are used as a necessity rather than a convenience
  • Bounced cheques
  • You use pay cheque cashing companies frequently
  • Are you always in overdraft?
  • You pay only interest or service charges monthly, resulting in no reduction of your outstanding debt
  • Utility companies have cut off service due to unpaid bills
  • Monthly payments to creditors exceed 20% of your take home pay (not including your rent or mortgage).
  • Using your savings to pay for daily expenses.
  • Not having any savings at all
  • Not knowing how much you owe.
  • Arguing with your family members over unpaid bills or money problems.
  • Are you always worried about money
  • Behind on your credit card or loan payments
  • Creditors and collectors calling with payment demands
  • Using your credit cards to pay bills
  • Afraid to open your mail or answer your phone
  • Creditors constantly hounding and harassing you for payment, threaten legal action, or hire a collection agency
  • Are there threats of or actual court action against you?
  • Creditors' lawsuits, repossessions or judgments against you