by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Credit Repair, Insolvency, Mortgage Payments
Many Canadians continue to struggle to make mortgage payments since the COVID-19 epidemic and the financial strain it caused is not close to being over. For a time, mortgage deferrals assisted, but those deferral periods have now come to an end. For most of the...
by Ajay Oberoi | Bankruptcy, Budgeting, car financed, Consumer Proposal, cosign, Equifax, Garnishment, Insolvency
People always wonder the length of time information will be held on their Equifax credit report. This is dependent on whether that information is seen as “positive” or as “negative”. In most instances, information like missed or late payments, accounts directed...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Insolvency
It’s very rare to see your consumer proposal rejected by creditors but it is a possibility. If this is the case, no need to worry, there’s still a way. When the consumer proposal is filed, you must allow the creditors to make their decision (by taking votes) within 45...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Gambling, Insolvency, Spending Habits, Student Loan
The option of freezing a bank account is a choice at hand for creditors in order for them to get the outstanding debt when payments are delayed. A frozen bank account can be a sight of a lot of problems. Since your ability to withdraw or transfer money is taken away,...
by Ajay Oberoi | Bankruptcy, collection calls, Consumer Proposal, Debt Management, Insolvency
A call regarding collections, the garnishment of your wages or legal lawsuits is what forces people to contact us here at GTA Credit Solutions for our services. The pathway you will require as a debt relief option will depend heavily on the financial aspects and which...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Credit Counseling, Insolvency, Job Loss, Marriage
With any app nowadays you can track your spending no matter where you are. If you don’t like that and like to keep things a bit old fashioned, a pad and a pen is always great as well. Keeping your receipts and filing them later is another effective way. Regardless...