You may have been struggling with your debt for a while hoping things would get better – but are you at the point where you should seek professional advice?

Take a minute to answer the following questions:

  • Are you borrowing money to make it from one payday to the next?
  • Do you take cash advances from one credit card to pay another credit card?
  • Are you only paying interest charges on your debt and not reducing the total amount?
  • Are you being harassed by creditors for payment?
  • Do you continually exceed your limit on credit cards?
  • Are you using credit cards to purchase necessities of life like groceries and gas?
  • Do you have a garnishee on your wages?
  • Are collection agencies calling you non-stop?
  • Has your car been repossessed?
  • Are you missing mortgage payments or not paying utilities to pay your debts?

If you think you need help, take the time to contact us.

A free initial assessment to review your financial situation and options could put an end to your debt struggles.

By Kathy Lenart – Insolvency Partner, Licensed Insolvency Trustee
CPA, CA, CIRP
Member and Secretary of the Ontario Association of Insolvency and Restructuring Professionals (OAIRP)
Canadian Association of Insolvency and Restructuring Professionals (CAIRP)