Recent Posts

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Consumer Proposals / Re: Found a replacement for Affirm!
« Last post by Jennykk on March 29, 2018, 09:12:40 PM »
I applied on Tuesday.....got a call I was approved today.

Thx Jennykk

Yay!!!
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Consumer Proposals / Re: Found a replacement for Affirm!
« Last post by Wetcoaster on March 29, 2018, 06:55:45 PM »
I applied on Tuesday.....got a call I was approved today.

Thx Jennykk
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Consumer Proposals / Re: Found a replacement for Affirm!
« Last post by Wetcoaster on March 27, 2018, 06:48:14 PM »
Concrats!   Maybe I will look into that also.
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Share your Story / Re: Consumer Proposal
« Last post by Jennykk on March 24, 2018, 10:41:36 PM »
Consumer proposal is under the bankruptcy law. Thus,it shows bankruptcy in the credit report.
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Consumer Proposals / Found a replacement for Affirm!
« Last post by Jennykk on March 24, 2018, 10:32:40 PM »
Currently, I have cap1 gold mc with $4K cl and the affirm mc with $1k cl.
Affirm is soooo expensive to maintain. The annual fee is $120 a year! What a rip-off! I pay off the balance each month so I don't pay any interest.
Anyway, I've been looking to replace the affirm for quite some time now. I applied for the National m1 mc but got declined and same with Canadian tire. Took a risk in applying for the cap1 aspire cash. The criteria says good credit. Well, my credit score is far from good. It's still in the low 500. I thought one hard hit wouldn't do much damage to my already damaged credit. So, I applied and surprisingly, got approved. Woohoo! I don't know how much I got approved for. I'll update when I get the card in the mail.
I'm so happy!!! Goodbye affirm!  ;D
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During Bankruptcy / Student Loans and Seven Years
« Last post by Vic Stewart on March 24, 2018, 01:50:03 PM »
I need a clarification regarding student loans and waiting seven years to file bankruptcy.

A friend has three degrees that she's accumulated over the last 15 years. Does the seven year waiting period start with the end of her last degree or does each loan start their seven year waiting period when the specific degree to which they are attached ends?

In other words, is the seven year waiting period for each individual loan or for the entire academic career?
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Consumer Proposals / Re: Consumer Proposal and tax return for 2017/2018
« Last post by markis on March 19, 2018, 08:13:07 PM »
I have filed my own Federal and Provincial (Quebec) returns and am in my second year of a consumer proposal, and I got to keep my refunds.  It's if you are bankrupt that you don't get to keep your refunds.  As a matter of fact, for years I never got my Provincial refunds because I owed them money from my student loan, but once I filed for a consumer proposal I got my refund.
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I get alerts that there’s new missed payments. Most recent from credit karma (trans union) shows RBC visa as “in collections/charge off”. Scotia cc shows “30-59 days late” with a status of “2”

It took me months to make everything was reporting properly.

 Don't stress over it...even when things are straightened out it is a long road ahead to rebuild credit.
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Consumer Proposals / Re: Consumer Proposal and tax return for 2017/2018
« Last post by Wetcoaster on March 19, 2018, 06:40:18 PM »
We also filed and got our tax returns.
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Consumer Proposals / Re: Consumer Proposal and tax return for 2017/2018
« Last post by novascotiaman on March 19, 2018, 11:28:27 AM »
you file your own tax i believed if you file a consumer proposal. and keep all money if cra owe you. you only file through trustee if its bankruncy.
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