If It Sounds “Too Good to Be True” — It Often Is! By Rick Cullen, CMA, CIRP, Licensed Insolvency Trustee You may have seen the ads before – Facebook has many similar little ads, all with slightly different promises, such as: “We used a little-known Canadian law to erase $65,000 of debt in 36 months!”

Check out some of our videos dealing with debt solutions: Our Most Recent Video: Dealing with your debt can improve your relationship Check out other Janes & Noseworthy videos on YouTube: Discharged from bankruptcy Pay your secured loan Income Tax debt help Legally Binding Dealing with harrassing collection calls

Fixing and Maintaining your Credit Rating – Common Traps and Pitfalls By Ian Penney, CA, CIRP, Licensed Insolvency Trustee Here is a typical scenario: In my early twenties, I had a collection agency chasing me.  They called me at home and at work, sometimes 15 or 20 times a day.  They even called my former