by Rebecca Frederick | Mar 1, 2016 | Avoid Bankruptcy, Consolidation Loans, Consumer Proposals, Credit Card, Credit Counselling, Debt Consolidation Canada, How to Get Out of Debt
Credit counselling, orderly payment of debt, and consumer proposals are all useful ways to address a debt problem. The key to selecting the right option is knowing which program is right for you. Informal options include informal debt settlement arrangements and...
by Rebecca Frederick | Dec 8, 2014 | Credit Card
There are generally two different arrangements for credit repayment: fixed and revolving. Fixed repayment is where you have made an agreement with your bank to pay them a set amount of money each month until the total amount owing is paid in full. The loan amount is...
by Rebecca Frederick | Oct 16, 2014 | Credit Card, Credit Rating, Joint Debt
When you sign up for a credit card or loan you’re obviously on the hook for the debt. But what if you’re a second cardholder and someone else is the primary cardholder – what are your responsibilties? Read on – you are about to find out that the devil is in the...
by Rebecca Frederick | Aug 22, 2014 | Credit Card, Credit Rating, Credit Utilization
Every day, we’re surrounded by “buy now, pay later” temptations. When we don’t have the actual cash to spend, it can be easy to convince ourselves that a credit card is essentially the same thing— money at the ready, just waiting to fill in the gaps in our budget,...
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