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Starting Wednesday July 1, 2015, debt-settlement companies in Ontario face tighter rules and limits on how much they can charge to help protect consumers from unscrupulous debt settlement practices.

The provincial government has proposed legislation to expand ICBC’s ability to refuse driver’s licences to those who default on their student loans…

Bad things happen to good people and just because you have missed payments or have a bad credit rating does not mean you are a deadbeat. Learn how to start rebuilding your credit and get back on track.

If you have ever had a debt that went as far as a collection agency, you probably already know the annoyance they can be, even if the debt is not owed. But before you deal with them, check out the what collection agencies cannot do.

The Federal and Provincial Governments have Limitation Acts which provide a limit on the time an unsecured debt can be perused by legal proceedings. If an unsecured debt is not collected, or payments are not made on the unsecured debt within these time limits, then legal action cannot be taken by the creditor.