by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, cosign, Debt, Debt Management, Divorce, Insolvency
Co-signing loans for family members can at times lead to an unfortunate ending. It is common to hear of instances where family members have co-signed on a loan only to suffer consequences after because loan terms were not met. If you co-sign a loan you are included as...
by Ajay Oberoi | Bankruptcy, Budgeting, collection calls, Consumer Proposal, Credit Counseling, Credit Repair, Debt, Insolvency
Bankruptcy may seem like the end of the world to many. It’s definitely a tough step to take but it can prove to be an effective one. One of the biggest obstacles people face after they’ve filed for bankruptcy is to qualify for future loans. GTA Credit...
by Ajay Oberoi | Budgeting, Consumer Proposal, Debt, Debt Management, Grocery Shopping, Insolvency, Job Loss, Marriage
I fear that as food prices remain to climb, people will resort to more affordable and less healthy and balanced options. I have discovered us coming under that trap, so I set out to get our grocery store costs down. Besides delighting in the occasional cauliflower,...
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, 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, Credit Counseling, Credit Repair, Debt, Insolvency, Job Loss, Marriage, Mortgage debt
Bankruptcy is not the end of your life. You will be able to rebuild your life after bankruptcy. All you have need is to have a clear understanding on how to manage your finances and get back on your feet strong. This can provide an excellent assistance to you with...