{"id":1149,"date":"2019-02-07T10:22:00","date_gmt":"2019-02-07T15:22:00","guid":{"rendered":"http:\/\/crcoc.ca\/?page_id=1149"},"modified":"2025-01-06T15:24:02","modified_gmt":"2025-01-06T20:24:02","slug":"doyle-salewski","status":"publish","type":"page","link":"https:\/\/www.crcoc.ca\/en\/adults\/doyle-salewski\/","title":{"rendered":"Doyle Salewski"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1149\" class=\"elementor elementor-1149\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccc270f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccc270f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d57a63\" data-id=\"8d57a63\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc2b5db elementor-widget elementor-widget-heading\" data-id=\"cc2b5db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Are you experiencing financial stress or cash flow problems? Or are creditors calling you often, but you are unable to make your payments?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1897b1f elementor-widget elementor-widget-text-editor\" data-id=\"1897b1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><u>You are not alone<\/u>.\u00a0<\/strong> Come talk to one of our Debt Relief Managers at Doyle Salewski.\u00a0 We will help you do the math and find a solution to deal with your debt that fits your budget. Give us a call at 613-569-1001 <strong>or<\/strong> visit us online at <a href=\"http:\/\/www.doylesalewski.ca\" target=\"_blank\" rel=\"noopener\">DoyleSalewski.ca<\/a>.<\/p><p>With over 25 years of experience, Doyle Salewski, has helped people take stock, consolidate, refinance, and get back on track. We can help you.<\/p><p>We are at the Orl\u00e9ans-Cumberland Community Resource Centre every Monday from 8:30 am until 4:00 pm for in person appointments and follow all Covid-19 health protocols.\u00a0 We also offer phone or ZOOM consultations Monday to Friday during business hours.\u00a0 Our consultations are free of charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33f688a elementor-widget elementor-widget-heading\" data-id=\"33f688a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Professional credit counsellors at\u00a0Doyle Salewski\u00a0can help!<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95a6118 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"95a6118\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-745c3aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"745c3aa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26cbef9\" data-id=\"26cbef9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-214cdbe elementor-widget elementor-widget-heading\" data-id=\"214cdbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">If you have excessive debt and are no longer able to manage your monthly payments, this \u2018\u2019Debt Relief Solution\u2019\u2019 may just be what you are looking for.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c913068 elementor-widget elementor-widget-text-editor\" data-id=\"c913068\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: A couple ran a business for the past 23 years and managed to get through the COVID-19 pandemic. Unfortunately, business has not returned to pre-covid numbers, and the cost of running the business has also increased. The couple obtained a CEBA loan during COVID-19, and the loan payments are due now.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: The Debt Relief Manager at Doyle Salewski met with the debtors to review their options. The clients have decided to close the business and look at ways to resolve outstanding debts without filing bankruptcy. They decided to file a consumer proposal rather than file a 2<sup>nd<\/sup> bankruptcy \u2013 as the numbers did not make sense for a 2<sup>nd<\/sup> bankruptcy. By filing a consumer proposal, the clients could reach an affordable monthly repayment plan with CRA and the rest of their creditors.<\/p><p><strong>OUTCOMES<\/strong>: The clients were able to wind down the business, avoid bankruptcy and have peace of mind with an affordable monthly payment plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d74559 elementor-widget elementor-widget-text-editor\" data-id=\"7d74559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: The couple was managing their debt repayment plan on their own. CRA re-assessed 4 prior years&#8217; tax returns due to charity receipts from a charity that turned out to be fake. This resulted in a new debt amount owing of $25,000 and CRA requested a monthly payment of $1350. This payment was more than 30% of the couple\u2019s income and put too much strain on the rest of the budget.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: The debt relief manager at Doyle Salewski met with the debtor to review all of their options. The debtors were able to reach an affordable monthly repayment plan with CRA and the rest of their creditors by filing a consumer proposal.<\/p><p><strong>OUTCOMES<\/strong>: The debtor was able to get back on track with an affordable monthly payment and avoid bankruptcy.<\/p><p><strong>Tax Tip 109:<\/strong> Always file your taxes on time, even if you think you will owe money. Filing late puts you in a position to be charged a late fee, which increases with each late filing. The CRA will see you as a chronic late tax filer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27ea520 elementor-widget elementor-widget-text-editor\" data-id=\"27ea520\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Year in Review<\/strong><\/p><p>In 2023, we met with 189 clients at the Orl\u00e9ans-Cumberland Community Resource Centre, each presenting a new challenge regarding the financial issues they were struggling to resolve. These issues ranged from crypto-currency and romance scams to significant changes in employment or health, as well as post-pandemic CRA debts or a business struggling to recover.<\/p><p>The interviews fell into the following categories:<\/p><ul><li>16 insolvency counselling sessions<\/li><li>114 first-time appointments<\/li><li>59 signups<\/li><\/ul><p>The majority of signings were for a consumer proposal \u2013 where clients just needed a more affordable repayment term at zero percent interest.<br \/>Some clients were able to develop and adopt a different approach to managing their budget in a way that aligned with their financial goals.<\/p><p>As 2024 unfolds, consider booking a conversation with us to review your budget strategy or fine-tune your financial goals \u2013 the cost is free, and there is no obligation.<\/p><p>All of us here at Doyle Salewski wish you and your family all the best for a prosperous 2024!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1a667c elementor-widget elementor-widget-text-editor\" data-id=\"b1a667c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: A debtor was trying to reach a repayment agreement with CRA for outstanding personal taxes. The two parties were unable to reach an affordable agreement, and with the fear of garnishment of their wages looming, the debtor obtained a high-interest loan to pay off the tax debt. They now find themselves unable to repay these debts.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: The debt relief manager at Doyle Salewski met with the debtor to review alternative repayment options. The debtor reached an agreement with their creditors in a consumer proposal.<\/p><p><strong>OUTCOMES<\/strong>: The debtor was able to get back on track and better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfae3c4 elementor-widget elementor-widget-text-editor\" data-id=\"dfae3c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: A single mother owns her home but still has a mortgage. She recently discovered that there were four liens on the property for items she did sign up for and did not have\u2014a total amount owing $73,000.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: The debt relief manager at Doyle Salewski met with the debtor to review their options. Unlike most of our solutions, this one required a few more experts to help obtain a resolution. First, the client was referred to free legal services to review the liens in question. The client was also referred to a mortgage broker to see if the debts could be rolled into a new first mortgage once confirmed as true and accurate.<\/p><p><strong>OUTCOMES<\/strong>: The debtor was able to resolve the lien issue and obtain financing to deal with the debts with the assistance of a mortgage broker.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26bdff5 elementor-widget elementor-widget-text-editor\" data-id=\"26bdff5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: A couple had a high tax debt from not filing taxes for a few years out of fear. Debt was now 50,000. CRA requested a payment of $2,200\/month. This payment was more than 50% of the couple\u2019s income and put a significant strain on the rest of the budget \u2013 causing the debtors to fail behind on rent, utilities and car payments.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: The debt relief manager at Doyle Salewski met with the debtor to review all of their options. The debtors were able to reach an affordable monthly repayment plan with CRA.<\/p><p><strong>OUTCOMES<\/strong>: The debtor got back on track with an affordable monthly payment and avoided bankruptcy by filing a consumer proposal with their creditors.<\/p><p><strong><em>Tax Tip 103:<\/em><\/strong> Always file your taxes on time, even if you think you will owe money. Filing late puts you in a position to be charged more of a late fee as a chronic late tax filer. Each year you file late, it increases the percentage that CRA will charge as a fee. The higher the debt owed, the higher the fee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75c8d5c elementor-widget elementor-widget-text-editor\" data-id=\"75c8d5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Year in Review<\/strong><\/p><p>In 2022, we met with 171 clients at the Orl\u00e9ans-Cumberland CRC, each of whom presented a new challenge in terms of the financial issues they were struggling to resolve, including matters ranging from crypto-currency scams and romance scams to significant changes in employment or health.<\/p><p>The interviews fell into the following categories:<\/p><ul><li>47 counselling sessions<\/li><li>88 first-time appointments<\/li><li>36 signups<\/li><\/ul><p>Some of our clients were able to utilize the equity in their homes through re-financing, a reverse mortgage or outright selling of their home as the market timing was right. Some clients just needed a different approach to managing their budget in a way that aligned with their financial goals \u2013 a rearranging of the financial furniture.<\/p><p>As 2023 unfolds, you may want to book a consultation with us to review your budget strategy or fine-tune your financial goals \u2013 the cost is free, so it already fits your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e344719 elementor-widget elementor-widget-text-editor\" data-id=\"e344719\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: The debtor had a part-time job pre-covid that helped balance out their budget, the job was suspended during Covid-19, and the debtor was recently advised that the job has been completely eliminated. This has changed the ability of the client to meet their financial obligations with debts of $22,000.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: <span class=\"s1\">The debt relief manager at Doyle Salewski met with the debtor to review alternative repayment options. The debtor was able to reach an agreement with their creditors in a consumer proposal for 30% of the balance owing.<\/span><\/p><p><strong>OUTCOMES<\/strong>: The debtor was able to get back on track and better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2857fc4 elementor-widget elementor-widget-text-editor\" data-id=\"2857fc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>: A single person with no dependents and no assets is on medical leave and has about $120,000 in debt. CRA re-assessed a few prior tax years and demanded monthly payments of $1,800\/month, which is more than the client could afford.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>: Debt relief manager at Doyle Salewski\u00a0considered all options and recommended a consumer proposal as the most affordable solution.<\/p><p><strong>OUTCOMES<\/strong>: A consolidated payment for all debts was reduced to $950\/month with no further interest accumulating on the balance owing. \u00a0More importantly, the client will be debt free in 5 years or less. CRA agreed to the monthly plan based on the client\u2019s budget, and all the other unsecured creditors were included in the plan. The client has been able to reduce their stress level, which will help them return to work sooner than expected.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0a6a94 elementor-widget elementor-widget-text-editor\" data-id=\"c0a6a94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 A couple with no assets and debts totalling approximately $200,000 are approaching retirement and expressed concern that their minimum debt payments will no longer be affordable with reduced income.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0They are currently paying $2,700\/month in minimum payments. Although they have not missed a payment, the balance owing has not changed much on the accounts in the last 6 years due to the interest being paid. \u00a0Our Debt Relief Manager considered all options and recommended a consumer proposal as the most affordable solution.<\/p><p><strong>OUTCOMES<\/strong>: Payments were reduced to $1,200\/month with no further interest accumulating on the balance owing.\u00a0 More importantly, they will be debt free in 5 years or less.\u00a0 They can now plan their retirement with the peace of mind that they will be able to comfortably afford the rent, food, transportation, medical costs and other reasonable living expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a63a11 elementor-widget elementor-widget-text-editor\" data-id=\"6a63a11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 A elderly client ran into financial difficulty during the pandemic and obtained 3 payday loans totalling $10,000. The minimum payment was over 800\/month, which means the client needed to re-borrow the loan each month to cover their living expenses.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtor and creditors agreed on a proposal for 150\/month for all the debt, at zero % interest<\/p><p><strong>OUTCOMES<\/strong>: The client is able to manage their regular expenses, such as rent, food and medicine, now that an affordable repayment option has been obtained. The client was able to avoid bankruptcy by making a reasonable consumer proposal to their creditors<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b2619 elementor-widget elementor-widget-text-editor\" data-id=\"c6b2619\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 A couple with $110,000 in consumer debt, approached their bank for a consolidation loan, they have been customers at the bank for 25 and 30 years and have good, reliable income \u2013 they were both declined.\u00a0 One loan payment was 1050\/month \u2013 and there were also credit cards for both of them<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtors and creditors agreed on a proposal for 800\/month for all the debt, at zero % interest<\/p><p><strong>OUTCOMES<\/strong>: Debtors are able to manage other budget expenses now that an affordable repayment option has been obtained. The debtor was able to avoid bankruptcy by making a reasonable consumer proposal to their creditors<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ed3fd1 elementor-widget elementor-widget-text-editor\" data-id=\"7ed3fd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 Debtor operated a business which included debt that was personally guaranteed. The creditor had gone to court, won the case and was able to freeze the bank account. The debtor tried to make a payment arrangement prior to court, however the creditor would only accept 100% repayment.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan. The debtor and creditor were able to agree to an affordable lump sum payment in addition to a monthly consumer proposal payment which reduced interest charges to $0.<\/p><p><strong>OUTCOMES<\/strong>: Debtor is able to manage other budget expenses now that an affordable repayment option has been negotiated through the Trustee. The debtor was able to avoid bankruptcy by making an affordable consumer proposal to creditors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-562d375 elementor-widget elementor-widget-text-editor\" data-id=\"562d375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 Debtor had a very high tax debt from a failed business. CRA was threatening to garnishee the wages and freeze the bank account. The debtor tried to make a payment arrangement \u2013 however the demanded payment of 1200\/month was not available in the budget.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to review a more affordable repayment plan with CRA. The debtor and CRA were able to agree to 400\/month in a proposal and reduce interest charges to $0<\/p><p><strong>OUTCOMES<\/strong>: Debtor is able to manage other budget expenses, now that an affordable repayment option has been obtained with CRA. The debtor was able to avoid bankruptcy by making an affordable consumer proposal to their creditors<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee2cd9 elementor-widget elementor-widget-text-editor\" data-id=\"3ee2cd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 Debtor had a very high car payment, from rolling over 2 previous car loan balances into the new car \u2013 payment was 1100\/month. This payment put too much of a strain on the rest of the budget \u2013 causing the debtor to fail behind on rent, utilities, and other debt payments.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to review alternative car options. The debtor was able to obtain a car at an affordable monthly rate and reduce monthly overall debt payments from $600 to $200 as well as reduce interest charges to $0<\/p><p><strong>OUTCOMES<\/strong>: Debtor was able to get back on track: negotiate a reasonable car payment, better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f56ed3 elementor-widget elementor-widget-text-editor\" data-id=\"7f56ed3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Debt Relief Solutions<br \/><\/strong><\/p><p><strong>REASON FOR CONTACTING DOYLE SALEWSKI INC.<\/strong>:\u00a0 Debtor suffered an unexpected marital breakdown, that resulted in stress-leave and as a result, they were unable to make minimum payments on credit cards and high interest rate loans while paying rent, food and transportation costs.<\/p><p><strong>DEBT RELIEF SOLUTION<\/strong>:\u00a0 Debt relief manager at Doyle Salewski met with the debtor to summarize debt list, prepare a budget based on reasonable living expenses and reduce monthly debt payments from $950 to $200 as well as reduce interest charges to $0.<\/p><p><strong>OUTCOMES<\/strong>: Debtor was able to get back on track and better manage monthly living expenses and avoid bankruptcy by making an affordable consumer proposal to creditors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba00aa6 elementor-widget elementor-widget-heading\" data-id=\"ba00aa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Professional credit counsellors at\u00a0Doyle Salewski\u00a0can help!<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ac6f993 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ac6f993\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-35a0a6d\" data-id=\"35a0a6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66b3fbf elementor-widget elementor-widget-image\" data-id=\"66b3fbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"840\" height=\"255\" src=\"https:\/\/www.crcoc.ca\/wp-content\/uploads\/2019\/03\/Doyle-Salewski_logo.png\" class=\"attachment-large size-large wp-image-6559\" alt=\"\" srcset=\"https:\/\/www.crcoc.ca\/wp-content\/uploads\/2019\/03\/Doyle-Salewski_logo.png 840w, https:\/\/www.crcoc.ca\/wp-content\/uploads\/2019\/03\/Doyle-Salewski_logo-300x91.png 300w, https:\/\/www.crcoc.ca\/wp-content\/uploads\/2019\/03\/Doyle-Salewski_logo-768x233.png 768w\" sizes=\"(max-width: 840px) 100vw, 840px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98369b2 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"98369b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/doylesalewski.ca\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Visit website<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2742d1f\" data-id=\"2742d1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e07402 elementor-widget elementor-widget-heading\" data-id=\"3e07402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Here are some of the services available:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c0c9f elementor-widget elementor-widget-text-editor\" data-id=\"15c0c9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"https:\/\/doylesalewski.ca\/our-services\/credit-counselling\/\">credit counselling<\/a><\/li><li><a href=\"https:\/\/doylesalewski.ca\/our-services\/consumer-proposals\/\">consumer proposals<\/a><\/li><li><a href=\"https:\/\/doylesalewski.ca\/our-services\/bankruptcy\/\">bankruptcy<\/a><\/li><li><a href=\"https:\/\/doylesalewski.ca\/our-services\/business-solutions\/\">business solutions<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cef9b25 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cef9b25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f9398 elementor-widget elementor-widget-text-editor\" data-id=\"a1f9398\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><strong>Call for a free consultation: 613 237-5555 or send an email: <a href=\"mailto:info@doylesalewski.ca\">info@doylesalewski.ca<\/a><\/strong><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Are you experiencing financial stress or cash flow problems? Or are creditors calling you often, but you are unable to make your payments? You are not alone.\u00a0 Come talk to one of our Debt Relief Managers at Doyle Salewski.\u00a0 We will help you do the math and find a solution to deal with your debt &#8230; <a title=\"Doyle Salewski\" class=\"read-more\" href=\"https:\/\/www.crcoc.ca\/en\/adults\/doyle-salewski\/\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":656,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1149","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Doyle Salewski - CRCOC - OCCRC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.crcoc.ca\/en\/adults\/doyle-salewski\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Doyle Salewski - CRCOC - OCCRC\" \/>\n<meta property=\"og:description\" content=\"Are you experiencing financial stress or cash flow problems? 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