Crawford, Smith & Swallow Inc. | Licensed Insolvency Trustees | Administrators to Consumer Proposals | Licensed by the Federal Government

Ryan Cliffe

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So far Ryan Cliffe has created 14 blog entries.
1801, 2017

Filing a Consumer Proposal: Understanding The Alternatives to Bankruptcy

By |January 18th, 2017|Declaring Bankruptcy|Comments Off on Filing a Consumer Proposal: Understanding The Alternatives to Bankruptcy

Facts about Consumer Proposals
The Bankruptcy & Insolvency Act of Canada basically provides two ways of dealing with your personal debt problems: Bankruptcy and Consumer Proposal.

A consumer proposal is a repayment plan that is formulated in accordance to the consumer’s ability to pay. It may require paying back only a portion of the debt, or the amount […]

1212, 2016

4 Common Myths: The Truth About Declaring Personal Bankruptcy in Ontario

By |December 12th, 2016|Declaring Bankruptcy|Comments Off on 4 Common Myths: The Truth About Declaring Personal Bankruptcy in Ontario

4 More Common Bankruptcy Myths Debunked
There are many bankruptcy myths out there that can cause many people to become worried or paranoid when they realize bankruptcy might be their only option. However, these myths are commonly untrue.

Declaring personal bankruptcy in Ontario can feel overwhelming. Speaking to a licensed insolvency trustee will ease the process and […]

1212, 2016

Credit vs. Bankruptcy: Is Rebuilding Credit After Bankruptcy Possible?

By |December 12th, 2016|Declaring Bankruptcy|Comments Off on Credit vs. Bankruptcy: Is Rebuilding Credit After Bankruptcy Possible?

Life After Discharge: Building Credit After Bankruptcy
When someone is discharged from bankruptcy, they usually have many questions about their credit score. Rebuilding credit after bankruptcy might seem difficult. However, it is entirely achievable if the right steps are taken along the way.

Filing for personal bankruptcy in Canada is not an easy decision, but a licensed insolvency […]

2909, 2016

Declaring Bankruptcy in Canada: How Can I go Bankrupt Without Losing my House?

By |September 29th, 2016|Declaring Bankruptcy, General|Comments Off on Declaring Bankruptcy in Canada: How Can I go Bankrupt Without Losing my House?

Can I Keep My House if I go Bankrupt?
Often one of the first questions people ask a Trustee is what will happen to their homes if they proceed with a bankruptcy.

Although it seems like a simple enough question, it is in fact one of the biggest concerns people have when considering the prospect of personal […]

1309, 2016

Considering a Student Loan? Read This First.

By |September 13th, 2016|General|Comments Off on Considering a Student Loan? Read This First.

How to Avoid Student Loan Debt Horror Stories
Are you heading off to school this year, but wondering how to avoid student loan debt and the horror stories that come with it?  This doesn’t have to be as scary as it sounds.

Student debt in Ontario is a major cause of stress for many young people. It often delays […]

809, 2016

How to Manage Debt Problems When You’re Drowning in Debt?

By |September 8th, 2016|Declaring Bankruptcy|Comments Off on How to Manage Debt Problems When You’re Drowning in Debt?

Need Help With Debt Problems?
Are you suffering under a pile of maxed out credit cards? Have you been wondering how to manage debt problems? If you are feeling overwhelmed with debt, filing for bankruptcy or filing a proposal (in Ontario) might help your situation, and resolve your debt problems permanently.

Determining whether you should file for […]

3108, 2016

Bankruptcy 101: How to Be Fully Prepared When Filing Bankruptcy in Canada

By |August 31st, 2016|Declaring Bankruptcy|Comments Off on Bankruptcy 101: How to Be Fully Prepared When Filing Bankruptcy in Canada

Filing Bankruptcy in Canada: Understanding the Process

Filing Bankruptcy in Canada is a process that can be confusing for some people. Regardless, from the start to finish, a Licensed Insolvency Trustee (LIT) can guide you through the process. They will make it easier for you to get your life, and your finances, back on track.

If you […]

2607, 2016

What No One Tells You About Credit Card Debt in Canada

By |July 26th, 2016|Declaring Bankruptcy|Comments Off on What No One Tells You About Credit Card Debt in Canada

Credit Card Debt Taking Over Your Life? Find Out How it Really Works.
Figuring out what to do about credit card debt is something that affects at least 1 in 3 Canadians. 

It’s so easy to rack up a huge credit card debt without blinking an eye. But when you get your bill for the month, it’s not […]

1207, 2016

A Quick Guide to Avoid Bankruptcy

By |July 12th, 2016|Declaring Bankruptcy|Comments Off on A Quick Guide to Avoid Bankruptcy

Get Your Finances Under Control. There is an Alternative to Bankruptcy.
How do I avoid bankruptcy? Is there an alternative to bankruptcy? Avoiding bankruptcy is possible. It might not seem like it if you feel like you’re overwhelmed with debt, but you usually do have some options.

Bankruptcy should be a final resort. Before you make that step, take […]

2106, 2016

Is Declaring Bankruptcy Your Next Step?

By |June 21st, 2016|Declaring Bankruptcy|Comments Off on Is Declaring Bankruptcy Your Next Step?

Declaring Personal Bankruptcy in Ontario
Are you drowning in debt? Declaring personal bankruptcy might look like your only option, but it can be hard to know when it’s time to admit you need help.

Bankruptcy can happen to anyone. Regardless of your income, your job, or your family status, you could still fall victim to crushing debt.

 

When […]