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Latest Articles

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A man wearing glasses reviews paperwork while sitting at a desk with a laptop, books, and a glass of water in a home office setting. Blue overlay text reads: “FINANCIAL” and “Doing Everything Right but Still in Debt?”
Financial 6 min

Doing Everything Right but Still in Debt? Here’s What Could Be Happening

Many Ontarians in 2026 are working hard, budgeting carefully, and making regular payments, yet still finding it difficult to get ahead financially. Rising living costs, high interest rates, and unexpected expenses have made debt harder to manage, even for responsible households. This guide explains why debt can persist despite good financial habits and explores realistic relief options available in Ontario.

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Rebuilding Credit After a Consumer Proposal in Ontario
Financial 6 min

Rebuilding Credit After a Consumer Proposal in Ontario

Debt problems often build gradually, not overnight. What starts as using credit for groceries or utilities can turn into minimum payments, borrowing to cover other debt, and eventually missed payments and collection calls. This guide explains the 4 stages of debt escalation, warning signs to watch for, and the debt relief options available in Ontario if debt is becoming harder to manage.

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Person sitting with hands on their head surrounded by bills, receipts, credit cards, and financial documents, representing financial stress and debt problems in Ontario.
Financial 7 min

Canadian Debt Problems in 2026: What’s Happening in Ontario

Debt pressure remains high across Ontario in 2026 as rising living costs and expensive borrowing make it harder for many Canadians to keep up financially. This guide explains why debt problems are increasing, what happens when payments are missed, and what options may be available under Canadian insolvency law.

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a business mans hands rejecting a consumer proposal file
Consumer Proposal 5 min

Can Creditors Refuse a Consumer Proposal? What Happens Next?

Once a consumer proposal is filed, the creditors are given a period to respond and vote on whether they accept the proposal. If they reject the proposal, the situation becomes more complex, but that doesn’t mean all is lost. At the Litvack Group, we’re here to help you regain control of your finances and work towards a brighter financial future.

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a man with his hand in his hand with a laptop and bills on his desk
Consumer Proposal 6 min

Can You File a Consumer Proposal More Than Once in Canada?

Can you file a consumer proposal more than once in Canada? The short answer is yes, but there are important factors to consider. This article explains how consumer proposals work, what happens if you need to file again, eligibility requirements, and alternative debt relief options to help you make informed financial decisions.

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a woman looking at mortgage renewal documents with a stressful look and concern on her face
Financial 5 min

Mortgage Renewal Stress and Debt in 2026

Mortgage renewal stress and mounting debt can feel overwhelming. This can feel especially overwhelming after the holiday season. This guide explains safe, legal solutions in Ontario and how a Licensed Insolvency Trustee can help you regain financial stability.

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