Archive for December, 2006

There are a two main reasons for bankruptcy in Windsor. The first is marital separation or divorce. A family unit has 1 or 2 incomes, and 1 set of expenses. After separating, the 2 spouses each of the same income, however now they both have their own set of expenses. In addition, each might have their own debt, plus joint (in both of their names) debt.

Another factor in Windsor is the reduction of overtime and in many cases layoffs. Employees might have had steady overtime hours 2 or 3 years ago, however, now their hours have been cut back to 40 or less. The debt was probably manageable at 60 hours a week, but now at 40 hours a week, there just isn’t enough paycheque to go around. If this sounds like you, then call me at 519-250-8060 or email me so we can discuss the options that are best for you.

Realizing that you have financial difficulties is overwhelming. Next you need to know where to turn to get advice in Windsor on what your options are to deal with your debt. When you call a trustee consider these questions:

1. Did they take your call right away or within a reasonable amount of time? If they didn’t, do you really want to deal with them?
2. What was the telephone manner? Were they polite on the telephone, or did they treat your poorly? If you did not like their telephone manners do not deal with them.
3. Were you able to speak with a trustee or someone in a position to give you answers on the phone?

You have the right to be treated with respect when you call for assistance. You do not have to meet with someone you are not comfortable with.

When you call, you will speak with me or another Trustee, and you will meet with me personally. Call me at 519-250-8060 to discuss options that may help you.