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MultiPurpose

Debt Learning Center

Mortgage Reconstruction Program

The Mortgage Reconstruction Program was designed for mortgage owners to receive help when falling behind on payments and is at risk of losing their home. Many Canadians have fallen to unforeseen crisis such as loss of ...

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How Debt Settlement Works

Our debt help program, also known as debt negotiating, debt reduction or debt settlement, is an aggressive approach to getting you out of unsecured debt. It is appropriate for people with unsecured debt from $10,000 ...

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How to Stop Collection Calls

When your behind in your bills and the telephone continues to ring your nightmare has begun. The walls feel as though they are closing, the stomach sinks, and you feel as though there is no way out. But, there are meas ...

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Bankruptcy, Credit Counseling and Consumer Proposals – Things to Consider

There are many trying situations – relationships, career changes, and layoffs. When their revenues vary, many people have difficulty managing debts. If the debt is considerate and surpasses your ability to manage, it m ...

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Credit Business Practices Regulations – Debt Collection Practices

Guideline to follow: Organizations should comply with BOTH Federal and Provincial requirements, and use the more conservative or consumer friendly provision as the standard followed. For example: If Provincial guideline ...

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Easy Debt Settlement

If you have unsecured debt, whether it is $10,000 or as high as $200,000, we can help you to resolve it. Whether you want tonegotiate your debts, reduce them, or settle them completely, our program is within your means ...

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Prohibited Practices and Methods in the Collection of Debts

In June of 2006, Collection Agencies were regulated under a new Act bringing into effect restrictions on specific tactics used by companies contracted to collect past due debts. Familiarize yourself with the summary o ...

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Understanding the real interest cost of pay day loans

Pay Day Loans Loans that must be repaid by the time you receive your next paycheck are known as pay day loans. This type of loan is short-lasting. Unfortunately, in many cases, people are unable to repay the amount ...

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Understanding Your Credit Report

A credit report has a high level of personal information that is organized according to the following information: The first section included is your personal information like your place of residence. All inqui ...

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Simple Tips for Great Credit

Learning about the basics of credit scores and how it fluctuates can be a difficult task. There are some tips on how you can successfully deal with your personal credit score. Once a little bit of homework is done, y ...

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Beacon Score Basics

Do you know how much you’ll pay for your next mortgage? Your Equifax Beacon Score is the criteria lenders use to determine what risk you as a client represent, and hence how much you'll pay for your next mortgage. I ...

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How to Settle Debt for less than Half of what you owe

Q: What do you do when you are trying to refinance your mortgage to consolidate your debts but there isn't enough money to pay all those bills in full? A: Use the proceeds of the mortgage financing to settle all the d ...

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