Do you know what's covered in a Consumer Proposal? Call J.P. Graci & Associates Ltd. now at 519-753-7361. We just published a new article on which debts are covered by a consumer proposal. We highly suggest that you meet with a Licensed Insolvency Trustee that can guide you to the right solution for your circumstances. We have been helping people with consumer proposals for over 20 years. Click the link below…

Should you file a consumer proposal in Ontario, make sure you meet with a Licensed Insolvency Trustee because they are licensed by the go.

What is a bankruptcy discharge and the process? A bankruptcy discharge is the last step in filing bankruptcy. When you are discharged from bankruptcy, you are going to be released from the legal obligation to repay the majority of the debts you had at the time you were declared bankrupt. Several types of debts are not forgiven such as alimony, support payments or court-imposed fines, penalties or restitution orders. Obtaining a discharge will require nine months or longer and is in full…

How much does it cost to ship a car? The answer is that it depends. Enclosed, and your vehicle type are just 3 of the 7 factors that determine the auto transport rate that you pay. Read this article to find out more.

Do you have questions about Personal Bankruptcy? Call J.P. Graci & Associates Ltd. now at 519-753-7361. Many people ask us how they can qualify for Personal Bankruptcy. In order to qualify, you must be able to answer yes to one of the following questions. Do you owe more than $1,000? Does your debt exceed the value of your assets? Are you unable to pay your debt on time? Even if you answer yes, declaring bankruptcy is not your only option. Contact us now and schedule a free initial…

3 Month are ideal for people with bad credit status and who are in need of funds to bridge the gap between their 2 paychecks.

Need Assistance with Corporate Restructuring?Call J.P. Graci & Associates Ltd. now at 519-753-7361 J.P. Graci & Associates Ltd. understands the challenges companies face in this volatile and competitive economic market. We are well versed in handling corporate restructuring. We service Brantford & Hamilton. We can help your financial affairs with corporate restructuring. Set up your free initial consultation today with us and help your company get back on a profitable…

Need Assistance with Corporate Restructuring?Call J.P. Graci & Associates Ltd. now at 519-753-7361 J.P. Graci & Associates Ltd. understands the challenges companies face in this volatile and competitive economic market. We are well versed in handling corporate restructuring. We service Brantford & Hamilton. We can help your financial affairs with corporate restructuring. Set up your free initial consultation today with us and help your company get back on a profitable…

We wanted to thank Katrina for her review of our services. We always enjoy feedback because we are trying to do our best. Katrina said "Everyone is great, knowledgeable and friendly. The staff does their best to make you feel comfortable. I highly recommend JP Graci and Associates. I live in Brantford and it is really close to the office. Thank you, Paul and everyone for your help and professionalism." For more reviews please check out our website.http://www.jpgraci.ca/testimonials #JPGraci

We wanted to thank Katrina for her review of our services. We always enjoy feedback because we are trying to do our best. Katrina said "Everyone is great, knowledgeable and friendly. The staff does their best to make you feel comfortable. I highly recommend JP Graci and Associates. I live in Brantford and it is really close to the office. Thank you, Paul and everyone for your help and professionalism." For more reviews please check out our website.http://www.jpgraci.ca/testimonials #JPGraci

Should I declare bankruptcy? Bankruptcy is not your only option. You may be able to avoid the negative impact to your credit rating through a consumer proposal. The first step is to meet with the professionals at J.P. Graci & Associates Ltd. Your initial consultation is free. Call us at 519-753-7361 to set up a day that works best for you. Check out our website for more information about our services. http://www.jpgraci.ca/ #JPGraci #JPGraciandAssoicates

Graci & Associates Ltd will guide you through the bankruptcy process towards financial relief in Brantford & Hamilton, ON.

We wanted to thank Frank S. for his testimonial about our services. Frank said "The staff were lovely and incredibly helpful. They were empathetic with my stress from the bankruptcy. They also gave great advice on my credit recovery. Thanks especially to Paul for his service and counsel throughout the process which was quite tremendous." Did you like this review? Do you know anyone who might need our service? Let us know! There are more reviews here. http://www.jpgraci.ca/testimonials…

We wanted to thank Frank S. for his testimonial about our services. Frank said "The staff were lovely and incredibly helpful. They were empathetic with my stress from the bankruptcy. They also gave great advice on my credit recovery. Thanks especially to Paul for his service and counsel throughout the process which was quite tremendous." Did you like this review? Do you know anyone who might need our service? Let us know! There are more reviews here. http://www.jpgraci.ca/testimonials…

We wanted to thank James K for his testimonial about our Full-Time Licensed Insolvency Trustee Paul Graci. We love getting feedback about our business."This service is amazing! The team at JP Graci helped me with the stressful decision of going through a negotiation an understandable and simple process. From the explanation to instructing me on the required steps needed to be taken it was all done with non-judgement. The staff is personable and good humoured which made it comfortable."More…

We wanted to thank James K for his testimonial about our Full-Time Licensed Insolvency Trustee Paul Graci. We love getting feedback about our business."This service is amazing! The team at JP Graci helped me with the stressful decision of going through a negotiation an understandable and simple process. From the explanation to instructing me on the required steps needed to be taken it was all done with non-judgement. The staff is personable and good humoured which made it comfortable."More…

Does Filing for Bankruptcy in Canada Affect My Spouse?Call J.P. Graci & Associates Ltd. now at 519-753-7361. Some people believe that because you are married, your spouse is entirely responsible for your debts. This is false. Filing for bankruptcy in Canada will not directly impact your spouse. Your debts are your debts; only you are accountable for them. In the event you go bankrupt, your debts are discharged. Your partner is not liable for your debts. Have more questions? Get a free…

Does Filing for Bankruptcy in Canada Affect My Spouse?Call J.P. Graci & Associates Ltd. now at 519-753-7361. Some people believe that because you are married, your spouse is entirely responsible for your debts. This is false. Filing for bankruptcy in Canada will not directly impact your spouse. Your debts are your debts; only you are accountable for them. In the event you go bankrupt, your debts are discharged. Your partner is not liable for your debts. Have more questions? Get a free…

We just published a new article about how to stop yourself from spending too much. We have some tips and recommendations to help. Click the link below for the full article. Should you be facing financial issues and would like a free consultation, consider J.P. Graci & Associates Ltd. We are Brantford's only full time Licensed Insolvency Trustee. Contact our office for more information at 519-753-7361. http://jpgraci.blogspot.ca/2017/08/money-recommendations-to-stop-yourself.html #JPGraci…

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Did you know that if you choose to do a consumer proposal, the exact amount you offer to pay will be determined by your specific circumstances? This is based on: - The total of all your debts - Your income after tax - How many dependents you have - Monthly living expenses - What your creditors may have received in a bankruptcy Using this information your creditors will determine if what you are offering to pay is reasonable. They will figure out what they would get if you were to declared…

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If I declare bankruptcy, will I lose everything? Call J.P. Graci & Associates Ltd. now at 519-753-7361. We get a lot of great questions from people who are in trouble and need financial guidance and help. The answer to that question is absolutely not. While we may use some of your assets to pay creditors, you have some assets that are considered exempt. This includes equipment you need for work, personal items and furniture. In many cases, you will be able to keep your home and car as long…

Begin your path to financial recovery by scheduling your free initial consultation with J. Graci & Associates Ltd.

Are collection agencies calling you daily because of unpaid bills? In case you have not paid what you owe, collection agencies will be after you and try to persuade you to pay. They may say they are going to be commencing legal action against you in ten days if you have not made payment arrangements. If the Collecting Agency initiates legal action they are required to serve you with notice of the legal action. If you need help, we strongly suggest that you contact a J.P. Graci & Associates…

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