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 Between outdated assumptions, dramatic headlines, and well-meaning advice from friends who’ve never set foot in a Licensed Insolvency Trustee’s office, it’s easy to get caught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 […]
Read More
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 […]
Read More
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 […]
Read More
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 […]
Read More
“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, […]
Read More
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, […]
Read More
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 […]
Read More
2025 Surplus Income Limits in Canada: What They Mean for Bankruptcy and Debt Relief
If you feel overwhelmed by debt, there is an important update for 2025. The Office of the Superintendent of Bankruptcy (OSB) has released new surplus income limits. These limits will affect how much you need to pay if you file for bankruptcy. Each year, these limits are adjusted to reflect changes in the cost of […]
Read More
Understanding Bankruptcy Exemptions
Protecting Your Assets During Bankruptcy Bankruptcy can feel overwhelming, especially when it comes to concerns about losing assets. However, bankruptcy exemptions exist to protect essential belongings and ensure you maintain a reasonable standard of living. Developing an asset protection plan is critical for safeguarding essential belongings during financial hardships. In this guide, we’ll explore bankruptcy […]
Read MoreDebt and Mental Health: Understanding the Connection
How to Break the Cycle and Reclaim Financial Peace Debt can feel overwhelming not just financially, but emotionally and physically. If you’re struggling with debt you may also be experiencing financial anxiety, depression, and difficulty managing day-to-day responsibilities. For some, the stress of money problems makes it even harder to get help. We understand how […]
Read More