The Joel Sandwith Bankruptcy Sarnia Ontario Blog

Each year, the Office of the Superintendent of Bankruptcy (OSB) provides a chart that details how much money you can make before they think you have a ‘surplus’ of income in bankruptcy.  The new numbers for 2012 were (finally!) just released.  You can read more about the specifics here: Surplus Guidelines What does this mean?  [...]

I want to send my thanks to Sue Storr of 1070AM/103.9FM for having me on The Talk Show with her today, talking about budgets, spending, ways to deal with debt and other money issues. The show will be posted to her blog, on the stations website, by tomorrow.  Here is a link in case you’d [...]

Well, I hate to say it, but this is the time of year when many people get a cold hard reminder of spending that’s already in the past.  Perhaps it’s fortunate that there is no mail delivery today – you know the only thing coming in that mail box for the next little while will [...]

If you are dealing with debts in Sarnia, how can you file a personal bankruptcy to get a fresh start?  It’s a simple question, but one we get asked everyday.   Bankruptcy isn’t something most people do a whole lot of research on, unless they need to, so here’s a little inside info on how the [...]

I’ve been working for Hoyes, Michalos, a licenced Trustee in Bankruptcy, for closing in on three years now.  Prior to that, I worked at a non profit community based credit counselling service in London for six years.  In my time in this business, my largest frustration has been with various for profit, unregulated companies that [...]