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…

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,…

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…

Seniors Debt, How things shape up for Canada Seniors debt in Canada is on the rise.  In a recent report from Industry Canada and the Superintendent of Bankruptcy, senior’s bankruptcy rates have quadrupled from 4.6 percent to 20.6 percent. What are the issues that are causing this dramatic rise in our baby boomer generation that was…

Terry Sharp has joined our team at Sheila Smelt & Associates! We could not be more pleased and excited to have such an experienced and well respected Estate Administrator join our team in Abbotsford.  Terry Sharp brings years of professional experience from the big bankruptcy business of Sands Trustee to our boutique Licensed Insolvency Trustee…

Tax Deadline is Approaching It’s that time of year again. Tax time always seems to cause a high degree of stress and anxiety for BC Residents.  Actually, the stress is specifically associated to those individuals that don’t receive a tax refund, those of us that have a tax balance owing. Even if you have tax deducted at your…

Dealing with Student Loans Some individuals find themselves in financial difficulty after they have finished their studies.  Perhaps they used their available credit to cover living expenses and/or school expenses while they studied.  Or they finished their studies a while ago and haven’t been able to find adequate employment to support themselves and make payments…

Economic Forecast – The Canadian economy is expected to improve in 2015. Are you able to capitalize on an improving economy? To start with let’s look at your present situation – Over the past few years you’ve kept your head down, trying to pay the bills and keep food on the table.  Perhaps you been…

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