CEBA Loan Repayment CEBA, Canada Emergency Business Account program assisted tens of thousands of BC businesses stay afloat, as a temporary support measure during the Covid-19 pandemic.  The federal government guaranteed interest-free loans up to $60,000 and late in 2022 extended the interest-free timeline for repayment to Dec 31 2023. CEBA Loan Repayment and Loan…

Consumer Proposal Handbook to Affordable Debt Repayment Affording your debt is simple with our Consumer Proposal Handbook The stress can be overwhelming when you can not afford to pay all your bills and your debt is weighing heavily on your ability to live and enjoy life.  A consumer proposal could be the answer! It is…

Insolvency Insolvency is an essential element in the natural evolution of the financial ecosphere. In this regard, the availability of a ‘fresh start’ for both businesses and citizens has been shown to directly increase productivity, enabling individuals to start businesses, become highly productive and improve the overall well-being of society. The global pandemic created a…

Money and Mental Health Speaking your truth on any subject, whether it be feelings, finances, relationships or experiences takes courage and bravery.  Often it seems easier to hide, ignore your feelings or deny the situation. Understand avoidance is not a flaw, it is human nature to avoid conflict, stress and tension.  Certainly, it is also…

MAKING FINANCIAL WELLNESS A REALITY You are likely wonder what exactly represents financial wellness? Maintaining a structured savings plan Establishing an emergency fund Building a sustainable retirement plan Achievable budgets with low credit cared balances Insurance to protect your loved ones Education funds to support your children Achieving financial wellness is more than a series…

2022 is your year for recovery and we are ready to help you. The last 2 years has been particularly difficult for the good folks of the Fraser Valley.  Putting the pandemic, the floods, the wildfires in the rear view mirror is easy to say, but challenging to accomplish. 2022 is positioned to be a…

What a year it has been in Chilliwack and the Fraser Valley, surreal to believe that 12 months ago, Covid-19 was even not a topic of conversation. Our families continue to pull together and stand strong through the course of the second wave of Coronavirus, Covid-19. By no means has it been easy, the physical,…

Insolvency Counselling; The educational piece of the insolvency process required by the BIA, Bankruptcy and Insolvency Act and the OSB, Superintendent of Bankruptcy. In Canada with each consumer insolvency, either a consumer proposal or bankruptcy, there are 2 mandatory insolvency counselling sessions required to be conducted by the LIT, Licensed Insolvency trustee or their designated,…

Debt Freedom in 2018, is that your goal? Rehabilitation of a persons financial situation can be a common New Year’s Resolution. With 33% of British Columbia’s residents overspending this past Christmas Season.  The credit card bills, gifts, trips and entertaining costs along with the hefty financing charges continue to pile up.  When we add those…

Financial restructuring your business in British Columbia. Today’s social and economic events bring unique challenges to business owners in the Fraser Valley.  Corporate and small businesses in many sectors are seeing monumental changes that can lead to instability to their business models. Challenges in the news recently: Retailers are struggling with high rent and lower…

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