Men are really simple to please, we like good food, sports, horsepower, the outdoors and sex. You don’t need to blow a fortune on us for fathers day, so here are 5 cheap ideas for you to make that awesome Father or Spouse in your life feel special. Food: Don’t take us out for a meal, we hate crowds…
In December 2012, I placed a “mystery shopper” call by fluke to a non-profit credit counselling company. The website is nomoredebts.org. I was doing some research online on the keyword “debt settlement” and their advertisement on Google caught my attention in my Markham, Ontario office. When I clicked the ad it took me here. I…
Canadian banks are insanely profitable, in a recent episode titled “busting the banks” CBC Marketplace revealed how Canada’s 5 biggest banks, earned a record $28 BILLON in profit and how they make some of that money. This Marketplace episode exposes some serious banking trickery. Another example of bank trickery, that banks seem passionate about, is trying to get you…
What I am about to share is huge. Recently I attended a Entrepreneurs Organization retreat that was facilitated, I had a few huge takeaways I wanted to share that helped me size up life. I’ll break it up into 3 parts: Be. Do. Have. Your Results Your Average Be. Do. Have. This was by far…
I’ve banged on this drum for awhile. US based debt settlement companies bill consumers in Canadian dollars, but most of their staff appears to be in the US. So what happens if the Canadian dollar dips to $0.80? I fear one of two things. According to Jimmy John Shark, they might either abandon their clients…
The short answer is no. I am not aware of any “new government programs” or “bailouts” to help Canadians drowning in debt. So why are there companies promising new programs we have supposedly never heard of before? I’ve seen plenty of examples on the internet, here are two I recently came across. I saw this…
1. Are they located in Canada? You would be surprised how many companies that offer credit counselling or debt settlement are actually based out of offices in the United States, and pretend to be of Canadian origin. In my opinion, you are only a Canadian business if the entire operation is in Canada, and the…
I recently had the opportunity to speak with AFCC President Robby Birnbaum about the rise and fall of the debt settlement industry in the United States. I first met Robby around 2007 at a debt settlement conference in Las Vegas, at this time he was a lawyer and partner (and still is) at a Florida…
This is the question on my mind. During the summer of 2011 I had a random visit from a Ministry of Consumer Services Inspector. These types of inspections are fairly common in my line of work, and the inspector was very kind and helpful. In Ontario, the business of arranging a payment between a creditor…
There are a ton of Bankruptcy Trustee’s out there, they all offer virtually identical services. They are all governed and regulated under the bankruptcy in Kingston practicing bankruptcy lawyers and insolvency act, and (generally) follow the same rules from what I’ve seen. So how do you know you are dealing with a good Trustee or…
