Signs of Financial Difficulty

If you are unsure if you’re experiencing financial difficulties, below are some key warning signs:

• Spending more than 20% of your net disposable income on credit cards
• Only making minimum payments on your credit cards
• Over the limit on credit cards including overdrafts, or lines of credit
• Services (e.g. telephone, gas or electricity) disconnected
• Receiving collection calls or legal notices from creditors

When you are ready to begin the process or if you would like information and advice about consumer proposal and/or bankruptcy, please contact us by email or call us at 905-272-6870. We would be happy to thoroughly explain the process and assist you in any way we can.