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D. Thode & Associates Inc. Blog
Get answers to questions on Bankruptcy,
Consumer Poposals and Debt Solutions


What are the differences between a Bankruptcy and Consumer Proposal?
Bankruptcy and Consumer Proposals are the two most common options for individuals who are facing financial difficulties and find...
Jan 12, 2022


Tips to Tighten your Budget without Really Feeling It
Most people don’t think about all the small monthly bills in their life, but they add up! Spending time reviewing your bills could easily...
Dec 22, 2021


Holiday Budgeting
Is holiday spending stressing you out? Here are some tips to help get you through the spending season this year and to get you planning...
Dec 8, 2021


What is the True Cost of Bankruptcy?
One of the most frequent questions we are asked is “what are your fees?”. The Trustee’s fees are just a small part of what bankruptcy...
Nov 5, 2021


Trying to Get Out of Debt?
You’re not alone! Almost half of Canadians are concerned about the amount of debt they are carrying, and a quarter say they are unable to...
Jun 2, 2021


CERB Repayment – What to do if you Can’t pay it Back?
Like many Canadians that received the Canadian Emergency Relief Fund, you may have got a letter from CRA asking for a payment of the...
May 26, 2021


What to Do when you get Collection Calls
During the past year, many Canadians have been struggling to keep up with paying their bills on time if at all. Many people been unable...
May 5, 2021


Who does a Licensed Insolvency Trustee Work for?
This is a question we are often asked. If you’ve been researching online about debt relief options, you may have come across information...
Mar 20, 2021


Does bankruptcy affect my employment prospects?
A common question people have is whether or not filing for bankruptcy will affect their ability to get a job. Some particular legal and...
Feb 24, 2021


Credit Counselling or Consumer Proposal – which is better for me?
If you are facing financial challenges and you are unable to pay your debts monthly or are only able to service your monthly payments and...
Feb 19, 2021


The Profile of Bankruptcy Debtor Characteristics
Bankruptcy can happen to anyone at any age when the world is challenged financially, as they have been the last several months with the...
Jan 7, 2021


The Profile of Bankruptcy on Income and Expenses
As part of the government’s commitment to openness, accountability, and public engagement, the OSB has developed the Canadian Consumer...
Oct 17, 2020


Top 5 Reasons for Financial Difficulty
The truth is debt can happen to anyone. Nobody plans to have money troubles and not pay their bills, but life happens! Consumer...
Oct 9, 2020


Is there another option besides bankruptcy and debt proposal?
There of course are many options besides a formal filing of bankruptcy or consumer proposal to deal with your debt load. The most common...
Sep 24, 2020


How does a Consumer Proposal consolidate my Debt?
When considering consolidation, most consumers think of the following ways to consolidate their debt: Obtain a consolidation loan from...
Sep 11, 2020


Signs of Debt Problems After a Very Fun Summer
As September approaches, and the days get shorter, it may be time to take stock of what bills may have piled up over the last few months....
Aug 26, 2020


Tax Debt and a Consumer Proposal
There are many people who do not realize that tax debts can be dealt with through the filing of a consumer proposal or a bankruptcy. ...
Aug 21, 2020


Credit Card Debt After Summer
It is easy to allow your credit card debt to pile up over the summer. With summer activities, that include weekend getaways, summer camps...
Aug 18, 2020


COVID Debt Hangover?
With the COVID-19 pandemic, we are currently facing one of the most challenging periods of our lifetimes. Many people in British Columbia...
Aug 15, 2020


Debt Relief Options for Financial Distress
There is nothing worse than the anxiety and stress that comes from financial insecurity. Many people feel that they are in a no-win...
Jul 7, 2020
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