I have completed the Fresh Start Information Form. What happens now?

August 2, 2011

My last 2 blog posts I wrote about what happens when you first call with us and what happens at the first meeting in Windsor. You have come in to meet with us, you have thought about your options and you have decided to file a consumer proposal (or bankruptcy), and you wonder what do [...]

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The effect of bankruptcy and consumer proposal on credit rating

July 31, 2011

One of the most frequent questions I am asked in Windsor, is “what effect does a bankruptcy or consumer proposal have on my credit rating”. The short answer is a consumer proposal gives you a R7 rating and stays on your record for 3 years after the consumer proposal is paid off. A bankruptcy gives [...]

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The first meeting

July 21, 2011

My last post I wrote about what happens when you first call us. This time I want to talk about what happens at your first meeting with us. When you come to our Windsor or Leamington offices you will meet with me.  I am going to ask you some general questions about what caused your [...]

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The first phone call

July 16, 2011

The decision to make that first phone call to 310-PLAN can be hard. You’re stressed out by bills and creditor calls and you don’t know what to expect when you call us. So you delay calling, and the creditor calls increase. You still are hoping for the best, so you don’t call us for advice. [...]

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How can I stop a wage garnishment in Windsor?

May 16, 2011

I spoke with someone in Windsor this morning and she wanted to know how she can stop a wage garnishment. She mentioned that since the garnishment has started, she is having a hard time managing her household bills. I told her the same thing I tell everyone who asks that question. There are 3 ways [...]

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