GOT QUESTIONS? CONTACT VICTOR TODAY!
Phone: (416) 260-3264
Email: [email protected]WANT TO WORK WITH US? WE PROMISE THAT:
- You will be in constant contact with a real, Licensed Insolvency Trustee.
- Your calls will always be returned.
- Your emails will never be ignored.
- We shall work with you to craft an affordable payment plan that makes sense for your budget.
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Victor Fong, CMA, CPA, LIT is Licensed Insolvency Trustee with several years of experience in all facets of insolvency, both personal and business. Victor currently focuses on bankruptcies, formal proposals and restructuring for consumer debtors. He also devotes considerable energies to debtor rehabilitation through credit and budget counselling. He is a frequent contributor to the blog Bankruptcy in Canada where he writes about personal bankruptcy in Canada and consumer proposals in Canada. You can find him on Google+, Twitter, and Facebook
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![Summary Vincent has decided to file for bankruptcy. His Licensed Insolvency Trustee outlines what debts will be discharged in a bankruptcy and how long the process takes. Meet Vincent, […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2016/06/Bankruptcy-Discharge-115x115.jpg "Understanding the bankruptcy discharge (Video)")
Understanding the bankruptcy discharge (Video)
Posted on June 6, 2016 | No CommentsSummary Vincent has decided to file for bankruptcy. His Licensed Insolvency Trustee outlines what debts will be discharged in a bankruptcy and how long the process takes. Meet Vincent, […] -
![Summary A Licensed Insolvency Trustee explains to Mary and Paul that a consumer proposal might be the way to resolve their financial situation. The trustee tells them how a consumer […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2016/06/Submitting-a-Consumer-Proposal-115x115.jpg "Submitting a consumer proposal to your creditors (Video)")
Submitting a consumer proposal to your creditors (Video)
Posted on June 6, 2016 | No CommentsSummary A Licensed Insolvency Trustee explains to Mary and Paul that a consumer proposal might be the way to resolve their financial situation. The trustee tells them how a consumer […] -
![Summary After talking with a Licensed Insolvency Trustee, David and Julie decide that bankruptcy is the most appropriate option to handle their debts. The trustee explains the way their creditors […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2016/06/What-to-Expect-If-You-File-Bankruptcy-115x115.jpg "What to expect if you file for bankruptcy (Video)")
What to expect if you file for bankruptcy (Video)
Posted on June 6, 2016 | No CommentsSummary After talking with a Licensed Insolvency Trustee, David and Julie decide that bankruptcy is the most appropriate option to handle their debts. The trustee explains the way their creditors […] -
![Summary Richard is unable to pay his bills and unsure what to do. He talks to a Licensed Insolvency Trustee to explore the different ways he can deal with his […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2016/06/Options-115x115.jpg "Discussing your options with a Licensed Insolvency Trustee (Video)")
Discussing your options with a Licensed Insolvency Trustee (Video)
Posted on June 6, 2016 | No CommentsSummary Richard is unable to pay his bills and unsure what to do. He talks to a Licensed Insolvency Trustee to explore the different ways he can deal with his […] -
Reddit AMA
Posted on January 19, 2016 | No Comments -
![On January 1, 2015, the Collection Agencies Act (Ontario) was renamed the Collection and Debt Settlement Services Act (the “CDSSA”), and provisions were added that deal specifically with debt settlement […]](http://www.startingovertoronto.com/blog/wp-content/themes/arras_FAPI_01/images/thumbnail.png "The Collection and Debt Settlement Services Act: New Protection for Debtors")
The Collection and Debt Settlement Services Act: New Protection for Debtors
Posted on September 1, 2015 | No CommentsOn January 1, 2015, the Collection Agencies Act (Ontario) was renamed the Collection and Debt Settlement Services Act (the “CDSSA”), and provisions were added that deal specifically with debt settlement […] -
![The actions of the Bank of Canada in slashing its key interest rate since the 2008 financial crisis has created a large number of individual debtors who are desperately seeking […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2015/04/Bank-of-Canada-115x115.jpg "The Bank of Canada is preventing you from getting debt relief")
The Bank of Canada is preventing you from getting debt relief
Posted on April 4, 2015 | No CommentsThe actions of the Bank of Canada in slashing its key interest rate since the 2008 financial crisis has created a large number of individual debtors who are desperately seeking […] -
![When you first move to Toronto, you’ll likely be renting your living space. But after renting for a few years, you’re going to ask yourself this question: is it better […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2014/11/Rent-or-Buy-Home-in-Toronto-115x115.jpg "Tips to Save Money in Toronto – Part II: Rent or Buy a Home?")
Tips to Save Money in Toronto – Part II: Rent or Buy a Home?
Posted on November 24, 2014 | 1 CommentWhen you first move to Toronto, you’ll likely be renting your living space. But after renting for a few years, you’re going to ask yourself this question: is it better […] -
![I was part of a generational cohort born in the 1970s that graduated university and entered the workforce in the mid-1990s while Canada was still in a recession. We were […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2014/11/TorontoSaveMoney-115x115.jpg "Tips To Save Money in Toronto – Part I")
Tips To Save Money in Toronto – Part I
Posted on November 23, 2014 | No CommentsI was part of a generational cohort born in the 1970s that graduated university and entered the workforce in the mid-1990s while Canada was still in a recession. We were […] -
![A news article published in the New York Times describes an alleged practice in the United States in which certain banks are systematically ignoring discharge orders granted to individuals who […]](http://www.startingovertoronto.com/blog/wp-content/uploads/2014/11/cancel-debt-115x115.jpg "Does personal bankruptcy really cancel your debts?")
Does personal bankruptcy really cancel your debts?
Posted on November 16, 2014 | 1 CommentA news article published in the New York Times describes an alleged practice in the United States in which certain banks are systematically ignoring discharge orders granted to individuals who […]