Debt settlement Loans and credits

Consumer Offering In Ontario Consumer offering in Ontario is a formal legally binding deal you make with your creditors. If you’re deep in debt and can’t take out a loan from a bank, but have a stable source of income, an Ontario consumer offer may be a good option.

Consumer offers in Ontario allow you to make these payments to creditors but within a specified period of time.

If you have more than $ 5,000.00 but less than $ 250,000.00 in debt (excluding mortgage payments), an offer may be made to consumers in Ontario. You cannot open previous user suggestions. Even if you’ve filed for bankruptcy before, you may be eligible for a consumer offer in Ontario. To take advantage of this opportunity, you contact a licensed bankruptcy trustee who will begin to give you an appraisal.

Will be determined if a consumer offer

Will be determined if a consumer offer

The trustee must assess debts, assets, income, marital status, and expenses. Once this information is gathered, it will be determined if a consumer offer in Ontario is the right solution for you. If not, the trustee may offer a debt consolidation loan, credit counseling, debt management plan or personal bankruptcy. If you are a prospective consumer Ontario prospective candidate, your trustee will create a plan to calculate how many months he should be paying his creditors and the amount you will pay per month.

You must then file a claim with the creditors. Creditors may or may not accept your claim. Sometimes they will be accepted, but only under certain conditions. The trustee will guide you through this process, alerting you if creditors ask for any unusual deadlines. You have to bother with the fine print. Sometimes creditors will only send you proof that they have received the application, and contempt to accept or reject it. In the worst case, they’re nothing at all, too little to even send you a proof of claim. Nevertheless, under bankruptcy and insolvency law, creditors have 45 days to make a decision. A trustee cannot vote on your behalf. If 25% vote against your claim, your trustee must schedule a creditors meeting.

They would rather get some money than nothing

They would rather get some money than nothing

A meeting will be held at this time to be determined if a majority of the creditors (more than 50%) can come to the Agreement. Only two votes can be achieved: accept or reject. Creditors rarely ever reject their claims. After all, they would rather get some money than nothing. At best, a trustee can handle the transaction so that you only have to pay 50% of what you owe to these creditors. However, in many cases, you may have to pay a higher amount. Consumer offer in Ontario only eliminates unsecured debt (ie: credit cards, personal loans, tax revenue). Ontario consumer deals are not designed to help you secure secured debt like mortgage payments and car loans. Get started now!

Learn about the offer for consumers in Ontario. Learn how debt settlement works. Find out why debt settlement is a better choice than a consumer offer in Ontario. Consumer suggestions in Ontario help people learn how to avoid debt problems

Know the private loan

The credits offered by financial institutions are characterized because they are very difficult to obtain today, banks ask for many conditions and requirements that most of the times clients cannot meet, as a consequence they end up being unable to obtain the money they need. It is necessary to look for an effective alternative that allows many people and families to obtain a line of financing to meet their expenses and be able to make ends meet. For this reason it is convenient to know the private loan, a formula that is having great success and solving many situations of illiquidity.

What is a private loan?

What is a private loan?

For those who want to know the private loan, we give as an example our work in this private equity company, since our company provides loans to its clients with the only guarantee of a real estate property or of any other kind. The meaning of this is that the client can guarantee his credit or guarantee it with any type of object as long as he has enough value to get the amount he wants.

Users of our services can guarantee their loans with vehicles, real estate, art pieces, etc. the only exception is jewelry and we guarantee the customer that they can get up to a limit of 20% of the value of the guarantee, depending on the quality of the guarantee. For this reason, the person who wishes to obtain a private credit in our company must bear in mind that the quality of the guarantee is very important.

But other data on the private loan, place it as a very interesting option due to the advantages it presents, among them the speed with which our loan concessions take place, the client having the amount of money deposited in his current account in a period of less than 72 hours; provided that our company has received the necessary documentation in the offices.

Private lenders with knowledge of real estate

Private lenders with knowledge of real estate

Other virtues that our credit services present, are the fact that people who have debts or are enrolled in defaulters lists such as the Financial Credit Institution, can choose an amount of money, it is possible to obtain a private credit, even if they do not have payroll monthly and are unemployed; This is possible because the guarantee allows our company to provide them with the money they need.

We must stress that real estate guarantees must meet a very important condition to be valid. These must be totally free of charges and mortgages and the flats, houses, premises, etc. can be valid. We do not accept plots, plots or land because these types of properties are closely linked to variations in their prices in the market, therefore they are not acceptable guarantees.

Our company is formed by a team of professionals, we are private and private lenders who have knowledge of financial and real estate issues and therefore, we can take care of as many procedures as possible, so that the procedures are carried out more quickly and the client can make use of his money in a short time. In addition to this, we also take care of the official appraisal of the home, which we carry out at a price that is economical for the client.

Minimum installment loan

Minimum installment loan

We provide minimum loans of up to $ 3000 and the terms of all our credits are tailored to the specific needs of each user, so that it is possible to select monthly, quarterly, semi-annual or even annual installments.

All our operations are completely legal and are always signed in the presence of a notary, notarial signatures can be made anywhere in Spain, our professionals cover the entire national territory including the islands. So the client does not have to travel or travel to other provinces.

We are regulated by the Ministry of Health and Consumption and all of our activities comply with the existing regulations regarding private loans and financial services. For all these reasons, we must affirm that the characteristics of the private loan are excellent for those who want to obtain an amount of money or who need urgent liquidity. If you have any questions, please contact us without obligation, you can contact us immediately, we serve you with the greatest emphasis and commitment.

Bank loans for everyone

The most well-known loan products of Good Finance are the so-called Flex loans. These are actually loans that are divided according to use. They are among the most popular bank loans in Slovakia and Good Finance is one of the largest banking companies in our country.

It covers about 1.2 million clients, which is also about 20% of the banking market in Slovakia, which makes it the second-largest bank.

If you need finance for the purchase of a new car, replacement of windows, reconstruction of an apartment, or a loan for students, then these Flexi-loans from Good Finance are suitable for you.

Minimum documents, money within 24 hours, fixed installments throughout the loan. These are the benefits you can get with a flexo loan. You can get these loans without a guarantor.

Flexo loan for anything


You can use the money for anything. You can pay off other consumer loans by buying holidays, furniture, electronics, or from it. A non-purpose Flexi loan can be adapted for you in repaying a loan. You can reduce your installments by extending the due date or postponing the installments altogether for a certain period. Direct debit collection simplifies the monitoring of specific loan maturities.

If you are a policyholder of the Health Insurance Trust and you are in the BENEFITS program, then you have the opportunity to obtain a non-purpose Flexi-loan on favorable terms.

  • Individual – no loan fee
  • member of the Family club – no fee for providing a loan and the interest rate will be reduced by 1% pa

A Flexi loan with financial guarantee


If you have a passbook, term deposit or VUB AM unit certificates and you want to take out a loan, then this loan is the most suitable for you.

You can use these financial assets as collateral. With this loan you get a preferential interest rate, you do not have to prove your income, money within 24 hours and you pay the same monthly installments for the entire period of the loan. You can use the money for anything.

In addition to the Flexi loan, you can also arrange loan insurance that would protect you in the event of unforeseen life events, as a result of which you would not be able to repay the loan. Then the insurance company would take over for you.

Flexi loan for students


If you are looking for a suitable loan for a student, e.g. to pay for books, tuition, travel, rent, or language stay, it is like a flexible loan for students. You can get it already during the 1st year of study.

Fixed installments throughout the period are a matter of course. You can use this loan to finance both full-time and distance learning. You can also arrange advantageous loan insurance for the loan.

If you do not have enough funds to repay the installments, you can postpone the installments until after graduation. It is also possible to adjust the amounts of installments or make extraordinary installments. 

Flexible car loan


A quick flex loan, from which you can draw within 24 hours, is intended for the purchase of a car. The car can look according to your ideas, it can be new or old, used, and used.

The loan will provide you with the total value of the car. When buying a new car, you can arrange Compulsory Contractual Insurance (PZP) at each branch. You can also take out credit insurance.

Flexible home loan


You can help finance housing with a flexible-housing loan. Its advantage is that you do not have to establish a property. With this loan, you get the security of a fixed installment and a more advantageous interest rate.

You will get this loan even if you have already invested money in your home, e.g. for reconstruction, purchase, or modernization. They will refund your money to your account.