Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. However, at times, those debts can begin to feel overwhelming. A consumer proposal can help. Through a Licensed Insolvency Trustee (LIT), you can put together a proposal document that offers to pay back creditors in a certain way, under certain terms. For instance, it may extend the time you have to pay your debts or negotiate a percentage of what is owed to be paid back. Needing help with your debts can be confusing, difficult, and embarrassing. Are you unsure of your current financial situation and debt-load? Do you have questions or concerns about how a consumer proposal works or will affect you long-term? A Licensed Insolvency Trustee will be able to explain the process and implications of creating a consumer proposal. Assistance with your debts is available, and we are here to help you find it.
You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.
Resources in ,
Bennett on Bankruptcy.
Bennett on Bankruptcy Precedents
Bennett's A-Z Guide to Bankruptcy
A Professional's Handbook
Comparative Consumer Insolvency Regimes
A Canadian Perspective
Why Canadians Should Drop Everything and Pay Off Debt
Insolvency Law Reform
New Changes Under Bill C-5
Put Your Debt on a Diet
A Step-by-Step Guide to Financial Fitness
Modernising and Harmonising Consumer Contract Law
Consumer education in the Nordic countries : proposal of objectives for and content of consumer education in the compulsory school and at upper secondary school level in the Nordic countries
Canadian bankruptcy reports
Perspectives for European Consumer Law
Towards a Directive on Consumer Rights and Beyond
The Wolf At the Door
What to Do When Collection Agencies Come Calling
Canada. Innovation, Science and Economic Development - Measurement Canada - South Western Ontario District Office
Canada. Innovation, Science and Economic Development - Competition Bureau - Hamilton Regional Office
Responsible for the administration and enforcement of the following acts: Competition Act, Consumer Packaging and Labelling Act, Textile Labelling Act, and, Precious Metals Marking Act.
Canada. Health Canada - Consumer Product Safety Office
Hamilton Spectator (The) - Action Line
Canada. Canadian Food Inspection Agency - Canadian Food Inspection Agency - Hamilton District Office - Central Region
Halton. Halton Region Health Department - Food Safety - Oakville - Halton Regional Administration Centre
* conducts surveillance and inspections of food premises that sell or serve prepared food to the public to ensure regulatory standards are being met
* responds to reports of food-borne illnesses or outbreaks, unsafe food handling practices, food recalls, adulteration and consumer complaints
* liaises with special event coordinators and food vendors to ensure adherence to safe food handling practices
* provides information, support, and food handler training and certification for businesses and the public on how to handle food safely
* maintains Dinewise, a mandatory food safety program that disclosed food safety inspection results at food premises and online