Tag Archives: wage garnishment

Judgements, Liens and Garnishments in Canada – No Need to Panic

 04 Apr 2016

Knowing your rights is always important, whether in good financial times or bad.  It is important to remember that no matter what, life will go on. This is also true with something that seems so final like a judgement, lien or even a wage garnishment. Even if a creditor gets…

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Bankruptcy’s Automatic Stay of Proceedings

 17 Nov 2014

One of the benefits of filing a consumer proposal or personal bankruptcy is something called a “Stay of Proceedings”.  This is a legal term, but what it means is that the people you owe are stopped (stayed) from continuing any legal actions against you. How A Stay of Proceeding Works…

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Secured Debts Vs Unsecured Debts in Bankruptcy in Canada

 14 Jul 2014
treatment of secured and unsecured debt in bankruptcy in Canada

What is the difference between secured debts and unsecured debts when you declare bankruptcy in Canada? Bankruptcy is a chance to start over, and while it does eliminate most debts, it does not deal with them all. One of the biggest distinctions when filing bankruptcy is whether or not your debt is…

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5 Facts About Wage Garnishment

 19 May 2014
stop wage garnishment in Canada

Creditors can garnish your wages if you have stopped making payments towards your debt. In most cases they must obtain a wage garnishment order from the court and depending on the province can garnish up to 50% of your wages. If you are facing a a garnishee, read our tip…

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Wage Garnishment Laws & Declaring Bankruptcy

 31 Mar 2014
stop wage garnishment bankruptcy

If your wages are being garnisheed by a creditor then filing bankruptcy and/or a consumer proposal can stop the garnishee. In fact, a wage garnishment is affected by an automatic feature of the law called a stay of proceedings. How To Stop A Wage Garnishment When You File Bankruptcy In…

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Can Collection Agencies Call My Work or Employer?

 15 Jan 2014
collection calls to employer

Yes, if you owe money, a collection agent is permitted to call your work, or call your employer. Collection agencies are provincially regulated, so the rules are slightly different in each province in Canada.  For example, you can read the Collection Agencies Act of Ontario here. However the legislation is…

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Why Get A Debt Evaluation From A Bankruptcy Trustee?

 04 Dec 2013
debt evaluation experts | bankruptcy trustee

The idea for this article was taken from an anonymous e-mail someone sent to one of the public chats that I write responses on. My first reaction, was to compare a debt evaluation from a bankruptcy trustee to a visit to the dentist’s office when you have a sore tooth….

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Stop a Wage Garnishment. Bankruptcy or No?

 27 Nov 2013
stop wage garnishment bankruptcy

You may have been working to balance your debt payments with your living expenses for the last little while, then the worst happens. You are advised that a creditor has notified your employer to garnish your wages. Now you are facing both the embarrassment of your employer knowing you are…

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Key Benefits of Filing Bankruptcy

 06 Apr 2012

With the skyrocketing prices of goods and services, many people are finding themselves in difficult financial situations with overwhelming debts and are considering filing bankruptcy in Canada as the solution to thier problems. If this sound like you, you need not to fret as there are many people who are…

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5 Ways to Tell You are Getting Scammed by a Debt Consultant

 07 Mar 2012

You hear the debt consultant ads on the radio or television, and they sound great.  “Reduce your debts by 70%” they say, and you don’t have to file bankruptcy in Canada!  But is it really possible to reduce your debts by 70% without bankruptcy? Yes, it is.  There are two…

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