by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Insolvency
f you have the R9 in the credit bureau, it will certainly continue to be on your record! An “R9” condition, often called a charge-off, is a credit history record standing that stands for a trade-line that is significantly overdue, more than six months...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Debt, Insolvency
Stay dedicated, be durable, as well as never quit, no matter the length of time it takes you. There will be distressed; there will be setbacks, as well as there will be diversions in the process. Yet as long as you don’t forget your long-term objectives,...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Insolvency
Managing your credit card debt is not something difficult as you think. That’s because you will have to focus on a few important tips and then work out a proper plan. This plan can deliver outstanding results to you with managing the overall credit card debt without...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Insolvency
How to Help Curb your Spending Saving money has become one of the biggest challenges that people in today’s world have to deal with. This can keep you away from achieving all your financial goals at the end of the month. As a result, you will run into many frustrating...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Debt, Insolvency
The major difference between the consumer proposal and bankruptcy is that the consumer proposal gives the person more rights on their assets. It means that the person can learn more of their assets. And also, it has less effect on the credit score of a person. That...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Repair, Insolvency
A consumer proposal is nothing but a plan which provides debt relief to Canadians who are struggling with money debt payments. It is sectioned by the Canadian government so that their people can have some relief in debt payments. And it was a very important step that...