Vine Group Vine and Williams
There's life again...
Warning Signs
Debt Repayment Program
Consumer Proposal To Creditors
Bankruptcy
Addiction Assistance
x

Warning Signs

If you are lying awake at night worrying about money, you may be in a serious debt situation.   Fortunately, by visiting our site you have already taken the first important step toward resolving your financial difficulties.

What are some of the warning signs of serious debt and financial risk?
  • The total amount of your debt increases each month.
  • You have not reduced your total debt for six consecutive months.
  • You have accumulated debt without a plan to be debt free.
  • You are unable to make routine minimum monthly payments on credit cards and loans.
  • You are at or over your limit on credit cards.
  • You skip paying some bills in order to pay others.
  • You are receiving phone calls and letters from collection and credit agencies.
  • You are making day-to-day purchases like groceries and movie tickets on credit cards because you do not have the cash to pay for them.
  • You write cheques that bounce.
  • You argue with your spouse or family about money or are afraid to talk to your spouse or family about money.

We can help! Call our office for a free consultation.
x

DEBT REPAYMENT PROGRAM

Some circumstances permit you to make arrangements with your creditors to start a debt repayment program, enabling you to re-pay your debts over a set period of time.  Debt repayment is an alternative to bankruptcy or a consumer proposal and is often offered through a credit counselling agency in your area.  Please contact us to discuss your unique situation.

Primary Functions

  • Money management coaching.
  • Arranging Debt Management Programs.
  • Promoting Consumer Credit Education.

Vine can help - Click here to arrange to speak to a team member

x

CONSUMER PROPOSAL TO CREDITORS

What is a Consumer Proposal?

A Consumer Proposal is an arrangement under the Bankruptcy and Insolvency Act, which is not a bankruptcy.  Instead, the procedure halts virtually all collection actions being taken by creditors.  It offers a settlement to creditors for a sum of money or a series of payments to “settle” the amounts owing and outstanding.  It is frequently for an amount that is less than the total owing and is generally free of any interest charges.

For more information, or to speak to a Trustee as to whether a Consumer Proposal is right for you please contact one of our convenient locations.

x

BANKRUPTCY

What is Bankruptcy?

Bankruptcy is a legal process, administered by a licensed Trustee, which provides immediate relief to an overburdened debtor from the following:

  • Harassing phone calls
  • Garnishments
  • Court actions
  • Demands for payment

For more information, or to speak to a Trustee, please contact one of our convenient locations.

x

Addiction Assistance

Gambling in Canada has grown at an unprecedented rate over the last decade and has become a multi-billion dollar industry in Canada ($8 billion in Ontario alone).

While surveys reveal 83% of adults in Ontario have gambled at least once in the last year, it remains a major contributing factor to personal financial distress.

At Vine and Williams Inc., we are very concerned about ensuring our clients follow a path to financial recovery and health.  We have developed relationships with experts in the field of gambling and substance abuse counseling and rehabilitation.

Our team believes that we must look beyond the numbers to address the emotional and personal challenges of our clients.

Please contact our office if you require our assistance or the assistance of our strategic expert partners in these personal matters.