Thinking about bankruptcy protection?

I first went bankrupt in the mid-90's after my first business venture failed. Five years later, my second venture also failed to see me grasp the golden ring of success. I was once again left penniless. Eight years ago, a bitter divorce, a career change, move and custody battle left me for the THIRD time in large debt to my creditors. I filed to be put in a consumer proposal. That's two hard knocks against my credit score and I'm only in my forties.  

and so the opposite is true...

So I've been there. I know what it is like to feel the strain of financial hardship, to think the good times will last and also the bad times will never end. If you are feeling any bit of the latter right now, I may be able to help.

I'm a victim of my own optimism, some bad advice and some bad choices. I get that. Your probably think that too. A few years ago, I made another career choice and that was to become a mortgage broker. I learned that if you have a house there are options out there which can help you avoid bankruptcy or discussing the benefits of a consumer proposal. I wish I knew what I know now eight years ago.

Explore all your options first. If you own a house, see if you can use the equity in that to lessen your debt. Can you rent a room to reduce debt? What about renegotiating your mortgage payments?

Simply, would you rather be paying 19% interest on your credit cards and/or other debts or move that balance to your mortgage and pay only 3%? Not only are you spreading your repayments out over a long period of time, your credit score will still be intact, if not slightly better.

So, contact me. Let's talk and see what I might be able to do for you.