Join Howard at noon on Feb 28th Join Howard at noon on Feb 28th

On February 28th at 12 noon, I’ll be appearing on AM570 Ask the experts show.

The topics of the show will focus solutions to deal with a debt problem.

I’ll be addressing questions like:

“How much debt is too much debt?”

“How can I control my debt and pay it down?”

“What practical solutions can help me to deal with overwhelming debts?”

“Is bankruptcy my best/only option?”

“How does all this affect my credit?”

Tune in to hear my answers.  If you don’t want to wait for the show, call us today at (519) 622 3773 or fill out our contact form.


Saginaw Golf Course files Bankruptcy Proceedings in Cambridge

December 5, 2014

The family operated Saginaw Golf Course in Cambridge, Ontario filed bankruptcy proceedings in October 2014 and listed liabilities of just under $3,300,000. It’s never good to read the news and hear about a bankruptcy filing in our community as bankruptcy proceedings always effects many people such as – the owners, the creditors, the staff, the […]

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Bankruptcies decline in Cambridge

March 25, 2014

Bankruptcies decline in Cambridge The Office of the Superintendent of Bankruptcy has released the bankruptcy and consumer proposal statistics for 2013.  We can now report that the bankruptcy rate in Cambridge continues to fall – but only slightly. 1 less person filed a bankruptcy in Cambridge in 2013 when compared to 2012. Bankruptcy filings in Cambridge have […]

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Will a bankruptcy trustee help me?

February 5, 2014

Will a bankruptcy trustee help me? Yes.  You should not have anything to fear about calling a bankruptcy trustee. Dealing with debts is not easy and calling a trustee is often a difficult decision you probably don’t want to make.  It’s probably a harder decision when you hear rumors about how “the trustee works for […]

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Cambridge Tour de Grand

January 21, 2014

Cambridge Tour de Grand I’m very pleased to announce that Hoyes Michalos & Associates will sponsor this year’s Cambridge Tour de Grand to be held on Sunday June 8th, 2014. The Cambridge Tour de Grand is an annual recreational bicycle event and as a keen cyclist, I was keen to see if I could lend […]

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Better Budgeting Tips

January 2, 2014

It’s a new year and it’s time to focus on new financial goals for the coming year.  For many, getting out of debt will be a major focus for the new year. Where do you start? Some people will already use some kind of budgeting system; whether it’s an online app, a spreadsheet, good old […]

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Radio Show

November 10, 2013

On Saturday November 16th, myself and Ian Martin from our Kitchener office will be guests on the AM570 Ask The Experts show at noon. This time around on the show, Ian & I will be talking about some of the myths surrounding Consumer Proposals.  Not everything you’ve seen and heard about Consumer Proposals may be […]

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Why we need bankruptcy trustees

November 7, 2013

I was spending some time with my two daughters at the weekend playing some games, doing some crafts… the usual things you’d expect to do with a 5 & 3 year old. Sometime during the afternoon, I checked my lap-top to see if any new emails had come in.  Whilst on the computer my youngest […]

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Debt Management Program in Cambridge

October 2, 2013

A Debt Management Program is one option available to help you with your debts. Most debt management plans are filed through not-for-profit credit counselling groups.  A local agency in the Cambridge area that offers this service is the Mosaic counselling & family services group who are based out of Kitchener. With a debt management plan […]

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Debt consolidation in Cambridge? (part two)

September 9, 2013

Looking at Debt consolidation in Cambridge?  Part one of this blog explores ways of consolidating debts in Cambridge such as looking at your own available credit, turning to banks, credit unions, lenders and mortgage brokers.  All have pro’s and con’s you need to be mindful of, but what happens when you’re maxed out on your […]

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