SOLVE YOUR DEBT PUZZLE
Client Portal: Resources For You and Your Family
We’re here to help every step of the way. Here are some resources to help you solve your debt puzzle.
Debt Repayment Calculator
Discover how you can take control of your various debts that you’re struggling with, with our dept repayment calculator spreadsheet.
Application Forms
CLICK OR TAP TO DOWNLOAD ANY OF THE PDFS BELOW
Personal Bankruptcy (fill-able PDF)
Personal Bankruptcy (printable PDF)
Personal Bankruptcy Resources & Information
Read the latest guides, insights, and resources prepared by our team to help you have peace of mind with your consumer proposal.
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- Consumer Proposal
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- Financial Literacy
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- Personal Bankruptcy
How Do Insolvency Trustees Get Paid in Canada?
By Colleen Craig, CPA, CA, FCIRP • March 25, 2026If you’re considering a bankruptcy or consumer proposal, one of the most common and important questions is: How do Licensed Insolvency Trustees get paid? Many people worry about hidden fees -
- Financial Literacy
Does Debt Consolidation Affect Buying a Home in Canada?
By Colleen Craig, CPA, CA, FCIRP • March 18, 2026Buying a home is one of the most significant financial decisions most Canadians will make. If you are carrying debt, you may be considering debt consolidation as a way to -
- Financial Literacy
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- Personal Bankruptcy
Banking After Bankruptcy: What You Need to Know
By Colleen Craig, CPA, CA, FCIRP • February 18, 2026Filing for bankruptcy can feel like a financial reset, but many people are surprised to learn that banking does not stop after bankruptcy. In fact, having the right bank account -
- Financial Literacy
Choosing the Right Bank Account When Money Is Tight
By Colleen Craig, CPA, CA, FCIRP • February 11, 2026Choosing a bank account may seem like a small decision, but when finances are strained or when you’re rebuilding after insolvency, it can make a meaningful difference. Monthly fees, transaction -
- Coaching
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- Financial Literacy
Choosing Debt Relief Safely in Canada: Why Licensing Matters
By Colleen Craig, CPA, CA, FCIRP • February 6, 2026If you’re struggling with debt and exploring your options in Canada, it’s important to know how to navigate the “debt-relief” marketplace safely. A recent regulatory intervention by the Office of -
- Consumer Proposal
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- Financial Literacy
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- Personal Bankruptcy
Student Loans in British Columbia: Repayment Relief, Consumer Proposals, and Bankruptcy Options
By Colleen Craig, CPA, CA, FCIRP • January 29, 2026Student loan debt is one of the most common financial pressures we see in our British Columbia insolvency practice, particularly when combined with credit cards, lines of credit, or tax -
- Financial Literacy
What is the Hardship Assistance Program in BC?
By Colleen Craig, CPA, CA, FCIRP • July 30, 2025If you’re in British Columbia and struggling to meet basic needs like food, shelter, or medical care, you may have heard of Hardship Assistance. But what is it exactly, and -
- Financial Literacy
Staying Out of Trouble: How to Turn Debt Setbacks into Financial Strength That Lasts
By Colleen Craig, CPA, CA, FCIRP • July 23, 2025Filing for bankruptcy or submitting a consumer proposal isn’t just about solving a debt problem, it’s about creating a new financial beginning. At C.E. Craig & Associates Inc., we understand -
- Consumer Proposal
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- Financial Literacy
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- Personal Bankruptcy
13 Strategies for Living Debt Free on One Income in 2025
By Colleen Craig, CPA, CA, FCIRP • July 16, 2025In today’s economic climate with rising interest rates, inflation pressures, and unpredictable expenses. Living debt-free may feel like an impossible dream. But with discipline, planning, and a few smart habits, -
- Personal Bankruptcy
14 Insolvency & Bankruptcy Myths in Canada [Debunked]
By Colleen Craig, CPA, CA, FCIRP • July 9, 2025Personal bankruptcy is often misunderstood, and with that misunderstanding comes hesitation, fear, and delay. At C.E. Craig & Associates Inc., we frequently meet people who put off getting help with -
- Consumer Proposal
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- Personal Bankruptcy
What is Surplus Income in a Bankruptcy in Canada?
By Colleen Craig, CPA, CA, FCIRP • July 2, 2025Declaring bankruptcy in Canada doesn’t mean all your income becomes off-limits to creditors. If you earn more than a set amount based on your household size, you may be required -
- Financial Literacy
Lien on Your House: How to Remove it & What does it Mean?
By Colleen Craig, CPA, CA, FCIRP • May 21, 2025In British Columbia, having a lien placed on your home can be a serious concern, especially if you’re already facing financial hardship. Whether it’s a result of unpaid debts, a
Useful Spreadsheets
CLICK OR TAP TO DOWNLOAD ANY OF THE PDFS BELOW
How to Calculate Surplus Payable
Monthly Budget Sheet, With Surplus Income
Statement of Income and Expense, Married
Statement of Income and Expense, Single
Video Resources
Need to Contact Us?
Explore Our Locations
Not in Victoria? Don’t worry, we have several other locations you can visit
across Vancouver Island and in the Lower Mainland.
Langford Debt Services
“By Appointment Only”
Discover our office in the Westshore and the services we offer.
Nanaimo Debt Services
“By Appointment Only”
Discover our office in Nanaimo, BC and the services we offer.
Surrey Debt Services
“By Appointment Only”
Discover our office in Surrey, BC and the services we offer.
Victoria Debt Services
“By Appointment Only”
Discover our office in Victoria, BC and the services we offer.
About C.E. Craig & Associates Inc.
C.E. Craig & Associates Inc, under the guidance of Colleen Craig, CPA, CA , FCIRP is a federally Licensed Insolvency Trustee. We offer local, friendly and reliable advice to both individuals and businesses on Vancouver Island.
There can be many solutions to debt problems and every person’s story is unique. At C.E. Craig & Associates Inc. we take the time to listen to you – to help find the best option for you. Every journey begins with one single step. Taking the first step by talking to one of our dedicated staff who will help you regain confidence in your future.
We offer free in-person consultation at our locations on Vancouver Island and the Lower Mainland (Victoria, Langford, Nanaimo, and Surrey) as well as video or phone consultation. One of our team is available now to speak to you.