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4 Pillars Articles

Consumer Proposal vs Bankruptcy – How to Choose Wisely in 2025

By Paul Murphy

I think you’ll really agree with me when I say that the debt industry is really confusing, especially when it comes to consumer proposal vs. bankruptcy. You have credit counselling societies, bankruptcy trustees, debt settlement firms, consolidation loans, consumer proposals, and a lot of different views on how you should deal with your debt. The … Continue reading Consumer Proposal vs Bankruptcy – How to Choose Wisely in 2025

Alternatives to bankruptcy: a guide to help Canadians overwhelmed by debt

By Paul Murphy

“Well, I got a job and tried to put my money away. But I got debts that no honest man can pay.” — Bruce Springsteen It was June. I was attending a wedding of a friend and I met a man in his late 20’s, who had recently fallen into debt. It began with a … Continue reading Alternatives to bankruptcy: a guide to help Canadians overwhelmed by debt


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