Understanding the roles of the trustee, the credit counsellor, and the debt negotiator

February 27, 2013 by · Leave a Comment
Filed under: Bankruptcy, Debt Management, debt relief, Videos 

I work as a debt counsellor, which means that I help people who are dealing with debt. One of the biggest services I provide is information. The following videos details the roles of the three main debt managers in Canada: The trustee, the credit counsellor, and the debt negotiator.

Please note that one is not “better” than the other. They are different. Which means that each provides a good service to someone. As a debt counsellor, I can help you identify which solution would work best for you.

What are my debt-relief choices?

Below are some of the debt-relief choices that are available to you. While we cater to Vancouver Island and the Greater Victoria area, this information is applicable Canada-side. We do strongly recommend that you consult and independent debt counsellor for debt-relief advice, be it through this website or elsewhere, to get the information that best applies to you. Read more

The truth about unsecured debt

December 20, 2011 by · Leave a Comment
Filed under: Bankruptcy, Debt Management, debt relief 

There are (technically) two types of loans you can make. Understanding the difference is quite important if you want to achieve relief from debt. One is “secured”, meaning that you’ve put up a major asset (like your house) as a security against the loan. This means that if you default on that debt, the creditor can then cash in against that security.

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More on understanding how debt works in Canada

December 20, 2011 by · Leave a Comment
Filed under: Bank's Profits, Debt Management, debt relief, Videos 

Vancouver Island’s own Bill Abram talks about how the private Canadian banking system is enslaving the public through debt and interest on that debt to our government who has the right to create it’s own money through the Bank of Canada. Understanding how money works is the first step to alleviating guilt when it comes to finding debt-relief solutions.

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While the Canadian economy struggles, the Big Five Banks see a profit of $22 Billion

December 6, 2011 by · Leave a Comment
Filed under: Bank's Profits, Bankruptcy, Statistics 

In the news today: “Big banks made $22.4B in 2011.” In a nutshell:

  • Canadian Bank profit in 2011 was  $22.4 billion, 15% more than the last year.
  • Last years profit was “only” $19.5 billion.
  • One of the predominant contributors to growth was loans; the other was retail growth.

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Selling debt solutions to an uninformed public

November 17, 2011 by · Leave a Comment
Filed under: Bankruptcy, Debt Management, Information Seminar 

Every marketer needs to ask the critical question, “What’s in it for the consumer?” Toothpaste manufacturers know people don’t pay for toothpaste; they pay for either white teeth or cavity protection. Car dealers know people don’t buy cars, they buy a safe mode of family transportation or an image (wealth, muscle, or beater). Read more

The 99% Movement will fail if the other 98% don’t wake up

October 18, 2011 by · Leave a Comment
Filed under: Uncategorized 

Dear protesters,

If you treat the world-unifying demonstrations that you achieved on October 15th 2011 as the pinnacle of your success, the movement will fail. Read more

How Money is Created

This video will change your intellectual relationship with money and debt. I guarantee it. Read more

Understanding how money works

September 7, 2011 by · Leave a Comment
Filed under: Bank's Profits, Debt Management 

There really are two kinds of money. There is the concrete actual hard-coin-in-hand money that has been acquired when an individual trades their time and sweat for a paycheque; then, there is the abstract ethereal cash-as-concept money that is ideologically held by banks, investors and governments, those who “invent” money. Read more

How NOT to resolve financial hardship

September 2, 2011 by · Leave a Comment
Filed under: Debt Management 

Here are six ways that you generally should not consider as a means to resolving your debt issues. Read more

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