As we get past another holiday season and embark on the beginning of a new year, there is no time like the present to follow through on those resolutions to get your financial situation back on track. Perhaps you have experienced job loss, health issues or a marital breakdown. Or perhaps the debt has accumulated over years and you just cannot get it under control. It can be overwhelming to open up statements from credit card companies showing a repayment period longer than a mortgage and knowing that minimum payments are all you can do – if you can even do that. Debt comes in many other forms – lines of credit, car loans, mortgages, overdrafts, income tax arrears and payday loans to name a few. Add to that the increasing costs of everyday living and sometimes it all just becomes too much to handle without some help. Recognizing that you need professional advice and making the call to set up an appointment is one of the biggest steps. People see that we are a “Trustee in Bankruptcy” and think that is all we do. That is not true. That just happens to be the title we are given when we are licensed by the federal government. We can do a lot more than just bankruptcies. We review all your options and can often help people avoid bankruptcy. We understand that people do not plan to find themselves in a financial crisis. Often financial stress also causes emotional stress, marital stress and health issues. Making the call to ask questions and ask for help is hard but is key to getting back on track. Unfortunately there are a lot of myths and misinformation around and relying on those gets people in even more trouble. Knowledge is power and you will find yourself in a better position to make an informed decision after coming in to talk to us.