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Yes! If you are up to date on your payments and the lender agrees, you are able to keep both. It does, however, get more complicated if there is equity (profit) in the home or if you are behind in payments. These circumstances need to be discussed with us at the free debt meeting.
Yes! Both consumer proposal and bankruptcy stop creditor calls, court actions including garnishments and judgments and stops interest. For a more detailed list, ask us at the free debt meeting.
Yes. If you ask anyone to help you with your debt problems, it will be reported at the credit bureaus and it will take time to build back creditor trust again. Chances are your credit isn’t perfect now. More important than having a great credit history someday is fixing the issue today. In most cases, it does not take as long as you may think. Ask us about rebuilding your credit at the free debt meeting.
Yes. If you owe personal debts or HST they can be wiped out in a bankruptcy or compromised in a proposal. CRA will ONLY negotiate with licensed insolvency trustees as both the Income Tax Act and the Bankruptcy & Insolvency Act are federal laws.