You have probably heard about debt consolidation as a financial alternative to bankruptcy. There are some things about debt consolidation that are common knowledge, like negotiating payments on debts and paying one amount rather than several bills a month. Here are four things that you probably didn't know about debt consolidation. Workshops Most debt consolidation companies offer workshops to their clients. These usually consist of an introductory workshop that discusses your options, how the process works, and what you need to know before you get started.

Any allegations of child abuse are taken very seriously in Canada. Professionals who encounter children on a daily basis are required by law to report their suspicions, but should not make repeated reports unless child welfare specialists have not responded to the first report in a timely manner. This means that you could, as a parent, be under fire for child abuse more than once, but the visits from child welfare for each report would not occur consecutively.

Being involved in a traffic collision can be emotionally, physically and financially draining. The more severe the accident, the more difficult your recovery may be. It may be necessary to provide evidence of your financial losses. Knowing ways that can help you prove your accident expenses may help you recover this sooner rather than later. 1. Medical expenses Be sure to keep all the receipts from your medical provider and have these on hand when meeting with your attorney.

Declaring bankruptcy as an individual is not a minor matter; it's a legal process that affects your credit and financial standing for many years. However, it can also be the best choice for many individuals when they're facing serious financial difficulties. If you've been considering bankruptcy but aren't sure if it's the right choice for you, of course you want to speak with a bankruptcy attorney and get all the facts.

If your marriage is nearing the end and you want to get an annulment rather than a divorce, you must have the right grounds to do so. Annulling a marriage is preferred by some people because there won't be any record of the marriage when it is annulled. Knowing the specific grounds that are required for annulment may help you if you are faced with this situation. Grounds #1:  Marrying a relative

Did you suffer a serious spinal injury after an auto collision with a reckless driver? You may need assistance from an injury lawyer to help you prove your case and file a lawsuit for your spinal injury. Below, find out how an injury lawyer can help you with filing a spinal injury lawsuit against a reckless driver and speed up the time taken for you to get compensated. How Can a Lawyer Help with a Spinal Injury Lawsuit Against a Reckless Driver?

Ah, the holidays—a time for family and friends, parties and dancing, gift giving and receiving and unfortunately, increased debt. Your holiday traditions should not put you at risk for bankruptcy each year. Here, you will learn a few ways to reduce your spending and manage your holiday debt responsibly to pay it off before next Christmas rolls around. Consider the Gifts There is no reason to go out and buy extravagant gifts for all of your loved ones.