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Discharge the second mortgage and keep the house!

Discharging a Deed of Trust in bankruptcy! A second or third mortgage can be stripped off the title of your home, and discharged as unsecured debt in a chapter 13 bankruptcy. Imagine, your house is worth less than you owe, […]
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New laws will expedite permanent residence for caregivers

The last few months have been precarious for caregivers. The Federal Government hinted that abuse of the system would perhaps cancel the live in caregiver program. Others worried that family members would be banned from hiring relatives. Finally, rumours were […]
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12 reasons to call me; My number is below

Your first step in overcoming debt problems is recognizing you have a problem! If worries about your credit card bills or a pending foreclosure are keeping you awake at night, you probably already know you’re in over your head. Just […]
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Death of nanny reveals dirty secret in our community

  The Toronto and Philippine Community are in shock over the recent death of Evelyn Bumatay Castillo. It has been reported that Evelyn Castillo arrived in Canada in January 2013 as a live in caregiver and was inCanada as a nanny to care for three […]
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Reestablish your credit

Banks and credit card companies have told us how important it is to maintain our credit, honor our obligations, pay on time, but what if we suddenly can’t pay on time, then what? What if I lose my job, and […]
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Key elements of a sponsorship application

By Atty. Henry Moyal Q. I was born in Canada and want to sponsor a woman from the Philippines that I met online. We married last year in Las Vegas. I have never sponsored anyone before and do not know what to do. What do […]
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In debt?

If you’re in over your head and are struggling to keep up to date on your credit cards, store cards, car payments and or mortgage, don’t lose hope. There are several strategies you can use, to make things more manageable, […]
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Life after bankruptcy

According to government statistics, 1.664,000 Americans filed for bankruptcy between September 2010 and September 2011. What does this mean? It means you are not alone! For many, bankruptcy provides a second financial chance. Although a bankruptcy filing will stay on […]
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Worker should leave abusive employer

Q. I’m a live-in caregiver who is new to this country. The employer who first hired me lost his job and was not able to pay my salary. I then sought the help of an agency who charged me $1500 […]
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IS BANKRUPTCY THE RIGHT THING TO DO?

Ask yourself the following: • Are you heavily in debt, with little prospect of relief in the near future? • Have you had, or are your creditors threatening, a foreclosure on your home, a repossession of your car or other […]