(818) 552-4503
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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 […]
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File bankruptcy – Rebuild credit

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The bankruptcy itself is a public record and stays on your credit report for 10 years, […]
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An expired work permit could be fatal to permanent resident application

Q. I entered Canada as a live in caregiver and have been working for over two years. I did not apply for permanent residence yet. My work permit expired five months ago and I did not renew it because I had a […]
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When You Can’t Pay Your Business Debts!

If your business is in distress – you owe a lot of money but you can’t pay, your creditors will probably threaten legal action against your business and very likely, you personally as well. How much they can collect, and […]
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Reduction in age of dependant child is now in effect

Applicants who are including dependant children on a permanent resident application must now be aware of new rules regarding age of dependant children. In the past, an applicant could include a unmarried child who was under 22 years of age […]
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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 […]
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Creditors are harassing me!

Q: Creditors are harassing me – but I lost my job, and cannot pay. How do I stop them calling? A: If you cannot pay your bills, creditors will take steps to collect. That’s natural, but continued harassment can be […]
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The Real Estate Market is Looking Good! But You Have Credit Card Obligations…

So you decided to buy a house a few years ago and the market turned. Now, your house is worth less than you owe to the bank, and you are one month behind! Worse still, you have a large amount […]
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U.S.A. and Canadian permanent residence applications can be filed at same time

By Atty. Henry Moyal Q. I live in New York and I have visited Canada several times. I am in the process of applying for my USA greencard but I am worried that it may take too long leaving me […]