DebtMatters Podcast

Brenda breaks down the key differences between Bankruptcy, Consumer Proposals, and credit counselling, while addressing common misconceptions—like whether you’ll lose your home or vehicle. She also shares warning signs of financial trouble and the relief Canadians often feel once they take that first step toward a fresh start. If you’ve been stressed about debt and unsure of your options, this episode offers clarity, encouragement, and practical solutions.

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Glenn reflects on how building trust, listening with empathy, and offering clear financial solutions can not only change a person’s circumstances—but heal families. You’ll also hear Glenn’s thoughts on financial education, budgeting tips, and the community outreach work he’s passionate about.

Whether you’re struggling with debt or just want a deeper look at the human side of insolvency work, this episode offers both insight and hope.

👉 Need help? Free consultations available at WeCanHelp.ca or call 1-888-371-8900.

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They discuss the emotional toll of carrying student loans, how rising living costs make repayment harder, and why many young Canadians are turning to debt relief options. Mary Ann explains the rules around student loan forgiveness, including the seven-year and five-year hardship provisions, and highlights repayment assistance programs that may help borrowers before considering insolvency. If you’re struggling with student debt, this episode provides practical guidance, hope, and clear next steps.

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With household debt levels among the highest in the G7, Brenda explains why car loans, rising mortgage renewals, and payday loans are trapping Canadians in a cycle of financial stress. She also shares practical steps for regaining control — from simple budgeting habits to the debt snowball method — and explains when it’s the right time to reach out to a Licensed Insolvency Trustee. Whether you’re overwhelmed by bills or just want to manage money smarter, this episode offers strategies you can use today.

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You’ll hear how the initial consultation works, what debt solutions are available (like Consumer Proposals and Bankruptcy), and how most people are surprised to learn they won’t lose everything.

Glenn also shares emotional stories of clients who found hope again, showing why compassion, not judgment, is at the heart of every conversation.

If you or someone you love is struggling with debt, this episode is a must-listen. You’re not alone, and there is a way forward. 

For free, no-obligation debt help, call 1-888-837-1800 or visit allanmarshall.ca.

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From fear, stress, and embarrassment to the strain it puts on families, Mary Ann shares real stories of how financial struggles impact daily life. She also explains why silence around money keeps people stuck and how simply talking about debt can bring relief. Most importantly, listeners will learn what first steps to take if they’re feeling overwhelmed, including how to access free, confidential advice from a Licensed Insolvency Trustee. Tune in to discover how you can move from stress and shame toward hope and control.

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Wayne Kay sits down with Derek Chase, Licensed Insolvency Trustee at Chase and Associates, to explore the warning signs of financial hardship and what Canadians can do when they spot these red flags.

• Signs of financial trouble: Learn how collection calls, overdrafts, and rising debt are red flags.
• The emotional toll of debt: Find out how ignoring financial issues can lead to stress and strain relationships.
• Taking action early: Discover why addressing debt early can provide more options and prevent further damage

Plus: 

• Evaluating your finances: Learn how to take stock of your assets, debts, income, and expenses.
• Cutting unnecessary expenses: Tips on trimming wasteful spending to free up money fast.
• Avoiding high-interest loans: Understand why payday loans often worsen any money problems.

“Recognizing the signs early and taking action can mean the difference between a financial reset and financial ruin.” — Derek Chase

Debt doesn’t have to feel shameful. It’s more common than you think, and there are plenty of ways to tackle it. From smarter budgeting, selling unused assets, or professional help—options are available. Listen in to learn more:

• Chase & Associates Licensed Insolvency Trustee
• 5 Debt Warning Signs & How to Deal With Them
• When Should I Seek Debt Relief?

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Wayne Kay sits down with Derek Chase to unpack the growing rise of Consumer Proposals in Canada. Find out how they work, who qualifies, and why more Canadians are choosing them over Bankruptcy as a debt solution. 

• Why Consumer Proposals are gaining popularity: Look at the reasons more Canadians are turning to this option for structured debt relief and asset protection.
• The impact on credit: Explore how a Consumer Proposal affects your credit rating and what it means for rebuilding moving forward. 
• Is it the right fit for you: Break down the factors to consider when deciding if a Consumer Proposal aligns with your income, debt type, assets, and financial goals.

Plus: 

• Secured vs. unsecured debt: The difference between debts tied to assets and those that aren’t—and why each requires a different repayment strategy.
• Alternative debt relief options in Canada: From debt consolidation to Bankruptcy, explore the full range of solutions available to Canadians.

“The key to choosing the right path is looking at your cash flow—not just this month, but the next and the one after that.” — Derek Chase

Struggling with debt doesn’t mean you’re out of options. Consumer proposals offer a practical path forward—one that’s affordable, legal, and designed to give you room to breathe. Tune into the podcast to learn how.

• Chase & Associates Licensed Insolvency Trustee
• Consumer Proposals: 10 Reasons It’s the Top Debt Relief Solution for BC Residents
• Is a Consumer Proposal Right for Me?

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The holiday season is a time for joy and celebration. Yet for many, it can also bring financial stress. In this episode, debt expert Matt Fader discusses how to avoid the common pitfalls of holiday overspending. From budgeting for predictable holiday expenses to setting realistic expectations for gift-giving, discover how you can manage the financial pressure of the season. 

• Holiday shopping norms: Dive into the commercial pressures that encourage overspending during the holidays.
• Holiday budgeting tips: Learn practical strategies for saving and seasonal preparation.
• Managing holiday expectations: Explore healthy holiday boundaries with family and friends to help limit financial strain.
• Spending impact: Find out how to prevent carrying debt into the new year.

Matt also provides insights on how to make holiday memories meaningful—without focusing on material items. Ensure that the season is about experiences, not expenses.

• Vacation and Debt: 3 Ways to Enjoy a Holiday Without Breaking the Bank
• Holiday Debt: Recover From Your Christmas Debt
• Top 8 Ways to Avoid the Christmas Shopping Hangover

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This week's Debt Matters podcast features host Wayne Kay with Matt Fader from Allan Marshall & Associates. Together they discuss the key steps needed to turn financial dreams into actionable goals. The focus centres on the importance of clear objectives and how to stay motivated throughout your savings journey. 

Matt also shares insights on setting realistic financial goals and how to avoid common pitfalls that might discourage you along the way (celebrate the small wins!). Listen in for practical advice on how to make progress toward financial security.

Key Points Covered Include:

• Setting clear financial goals: Matt shows how to create clear, well-defined financial objectives and explains why this clarity helps guide saving efforts.
• Using good goal-tracking techniques: Matt shares practical tips on how to track your progress. He also suggests tools you can try, from pen and paper to more complex digital methods.
• Staying motivated: Matt teaches strategies that help you maintain focus (e.g. celebrating small milestones that boost confidence and keep a positive outlook).
• Earning financial flexibility: Matt touches upon the significance of allowing yourself to spend money so you avoid the trap of hoarding.
• Planning your emergency fund: Matt defines healthy emergency savings goals so that you have a safety net in place.

For anyone who needs help making their financial dreams a reality, this episode contains the tips and tricks you need: 

• Practical Budgeting Tips to Keep Your Finances on Track in 2024
• Bad Money Habits and How to Break Them
• The 4 Best Personal Finance Apps in Canada for Debt Management & Budgeting

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