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Retirement is supposed to feel lighter. After decades of hard work, you deserve days filled with peace, not bills that keep you awake at night. Yet many seniors in Ontario find themselves facing debt they never expected: medical costs that have crept up, credit card balances that have grown during tough months, or mortgage and tax payments that didn’t disappear when the paychecks did. If this sounds familiar, take a breath. You’re not the only one navigating this, and you’re

A new year brings a clean slate and the perfect chance to reset your financial mindset with confidence. Whether you’re a student figuring things out, a parent juggling bills and busy schedules, or an Ontario retiree craving more peace and stability, setting clear financial goals can give you the fresh momentum you need. It’s not about cutting joy out of your life. It’s about taking simple, intentional steps that help you feel more in control and more optimistic about what’s a

A Licensed Insolvency Trustee (LIT)  is a federally regulated debt professional authorized by the Government of Canada to help individuals and businesses resolve serious financial problems. In Ontario, LITs are licensed under the Bankruptcy and Insolvency Act  and are the only professionals legally allowed to administer insolvency proceedings such as consumer proposals, Division I proposals, and bankruptcy. This federal oversight ensures that every process is fair, transparen

When you’re running a business, the wins feel incredible… until the debt starts creeping in faster than the cash flow can keep up. If you’re an Ontario business owner, entrepreneur, or director staring at rising balances and worried about what comes next, you’re not alone. And more importantly, you’re not out of options. The truth is that bankruptcy is rarely the only path. The sooner you take action, the more control you keep over your company’s future. D & A MacLeod Company

If you’re running a business in Ontario and the CRA letters are starting to pile up on your desk, you’re probably wondering how serious things are getting and what your next move should be. Maybe cash flow is tight. Maybe a payment deadline slipped during a busy season. Or maybe interest and penalties have snowballed faster than you ever imagined. Whatever the reason, CRA debt can feel like a weight sitting right on your shoulders. You’re not the only one dealing with it, and

If you’re losing sleep because the CRA is sending letters with that bold tone you’d rather ignore, you’re not alone. Personal income tax debt creeps up faster than most people expect, and once it does, it can feel like you’re drowning in deadlines, interest, and “urgent reminders.” The good news is that there is a way out. If you live in Ontario and you’re starting to wonder whether your tax situation is still manageable or slipping into trouble, this guide will help you fig