CLB Blog

17 Sep 2020

How to negotiate a debt settlement with a collection agency

When you’re in debt, it can often feel impossible to speak with the companies chasing you for money, particularly if you’re being contacted by debt collection agencies. The good news…

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03 Jul 2020

How to declare bankruptcy

Bankruptcy can be voluntary, where you make the application yourself, or involuntary if a creditor applies to make you bankrupt. Bankruptcy is a formal insolvency solution which is a good…

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29 Jun 2020

What does bankruptcy mean?

Bankruptcy is an insolvency process for those who are unable to pay off their debts. At the end of the bankruptcy process, which usually lasts one year, the remaining debt…

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29 Jun 2020

5 red flags that indicate you’re a problem gambler and what to do about it

Are you worried that you or someone you love has a gambling problem? Perhaps a friend or family member has tried to convince you that you need to get your…

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25 Feb 2020

What rights do debt collectors have?

If you owe money and stop making payments, you may be approached by debt collectors. Their job is to retrieve the money you owe on behalf of the company that…

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10 Feb 2020

What is the Consumer Credit Act?

The Consumer Credit Act (CCA) was put in place as a way of regulating how credit is sold and protecting consumers every time they choose to buy something using credit.…

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