Our Real-Life Stories
Debt problems can happen to anyone. Read stories about people like you and see how they dealt with the problem.
The names have been changed to remain anonymous.
They say that time heals all wounds. Unfortunately, this is not true when it comes to personal finances. Sometimes, everything can come crashing down in a matter of months.
In business, it is important to be prepared for setbacks. A company can face financial hardships because of a bad receivable, important losses in the execution of a contract, an economic downturn or a structural change in the industry.
People spend less money in their retirement years, but they also earn less. Ideally, you should reach retirement with as little debt as possible.
With a good salary and overtime, Martin’s lifestyle was very comfortable until his employer revised his overtime policy.
Divorce or separation
In addition to being emotionally painful, a separation can have a significant impact on your finances.
Other than the lack of work, arrears in income and sales taxes are, in our experience, a self-employed person’s greatest risk.
Student debt is treated differently from other debts in a consumer proposal or bankruptcy.
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