If you are constantly moving money around, watching balances barely change, and wondering how things became this complicated, you are not alone. For many people in British Columbia, debt does not arrive all at once. It builds quietly through everyday expenses, rising costs, and life events that were never part of the plan. At some […]
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First Meeting with a Licensed Insolvency Trustee: What to Expect
For many people, booking a first meeting with a Licensed Insolvency Trustee comes with a mix of relief and anxiety. Relief because help finally feels possible. Anxiety because debt has a way of making even simple conversations feel heavy. If you are searching for a licensed insolvency trustee near me, chances are something has reached […]
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What Happens to Your Home and Car in Bankruptcy?
Most people start thinking about bankruptcy long before they ever reach out for help. They lie awake wondering how things got so heavy, replaying every financial decision, and worrying about the same two fears almost everyone shares. What happens to my home? What happens to my car? These aren’t just assets. They’re stability, routine, and […]
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Bankruptcy Myths vs. Facts: Dispelling Common Misconceptions
There’s a certain hush that surrounds the word bankruptcy, a kind of whispered shame that tends to spread faster than the facts ever do. It’s no wonder. Between outdated assumptions, dramatic headlines, and well-meaning advice from friends who’ve never set foot in a Licensed Insolvency Trustee’s office, it’s easy to get caught in a fog […]
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Small Business Debt Recovery in BC: How a Division 1 Proposal Can Help
Running a small business in BC is definitely no small feat. It takes real vision, grit, and constant problem-solving. And yet, even the most committed entrepreneurs can hit a wall…financially speaking. Maybe you expanded too quickly? Or maybe inflation chipped away at your margins. Maybe even a couple of late-paying clients set off a chain […]
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Talking About Money Feels Awkward. Let’s Talk About That.
Money might be the last socially acceptable taboo. We talk about relationships, therapy, even gut health over brunch…but ask someone how much they owe on their credit card, and the table goes dead quiet. For many of us, opening up about finances triggers deep discomfort: shame, embarrassment, or fear of being judged. Here at Campbell […]
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I can’t afford car payments. What are my options in Canada?
Nobody wants to feel trapped by a car loan that’s become a financial burden. At Campbell Saunders, we understand the stress of falling behind on car payments. Especially if you are also carrying other debt. There is good news in British Columbia. In the province of BC, borrowers have important legal actions under the Personal […]
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“I have no money!” How to Manage Financial Stress
Each day, financial pressures mount and household budgets are squeezed. The costs of mortgages, rent, consumer debt, car payments, and paying taxes have increased much faster over the last few years. Pay raises and income increases have not kept up. As a result, many people are experiencing increased stress because of financial strain. For many, […]
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Managing Debt as a Couple: Communication and Compromise
Money can be challenging for couples, especially when one partner is a spender and the other a saver. Differences in spending and saving habits can create conflict, especially if financial goals aren’t transparent, budgets aren’t in place, or debts go unpaid. Without open communication, these issues can escalate, potentially leading to debt consolidation, consumer proposals, […]
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Why Am I Bad With Money? Understanding the Link Between Money Mindset and Debt
If you’ve ever felt ashamed or frustrated about your finances, you’re not alone. Many people struggle with money not because they’re careless, but because of deep-rooted beliefs. This is what we call a “money mindset.” Your mindset shapes how you earn, spend, save, and respond to debt. If you were taught to fear money or […]
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