Read Our Blog for Debt Advice and More

F. J. Zielski & Associates is proud to start its new blog. Check back regularly for financial advice and tips on different topics.

  • Credit counselling belleville
    How Credit Counselling Can Help You

    Have you been struggling to pay your bills on time and finding that your debts just seem to keep adding up? You are not alone. Thousands of other individual Canadians and small businesses across the country are in the same boat. At F. J. Zielski & Associates Inc., we offer credit counselling in Belleville and the Quinte region to both individual and small business clients to help them get a better handle on their finances.

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  • Consumer proposal office belleville
    Is a Consumer Proposal Right for You?

    A consumer proposal is a debt repayment solution that can be a good alternative to bankruptcy for people who are in significant debt and who have a hard time paying their monthly bills. F. J. Zielski & Associates Inc. is a consumer proposal office in Belleville that helps clients reduce the amount they have to pay to their creditors. We'd like to help you decide if a consumer proposal is a good choice for you.

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  • Bankruptcy in Kingston
    What Happens to your Assets after Bankruptcy?

    Those who struggle with their finances may find themselves coming to a crossroads where they must decide how to resolve significant debt. Filing for bankruptcy in Kingston, Belleville or Trenton is far from the only debt solution available, but is arguably the most drastic because it seriously impacts your credit rating and ability to obtain credit, immediately ceases legal action that your creditors may have begun against you, and liquidates many of your assets.

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  • Filing for bankruptcy Kingston Ontario
    How Do You File for Bankruptcy?

    When you are facing financial hardship that has caused you to consider filing for bankruptcy, the first step to seek a professional opinion to either confirm or deny that you have no better options. Aside from bankruptcy, there are a few other debt solutions that may be just as effective, while imparting less damage to your credit rating and well-being.

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  • Debt consolidation loan
    Debt Consolidation: Pros and Cons

    For people who struggle with growing expenses and unpaid credit card bills, it may seem like the only way out is filing for bankruptcy. However, contrary to public belief, this method of dealing with financial trouble is only to be used as a last resort. There are various other debt solutions of which individuals and businesses can take advantage, but of which they often remain unaware.

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  • Filing for bankruptcy
    Advantages of Filing for Bankruptcy

    Managing debt is time-consuming. Every month you have to decide which debt can be paid and which payments can be put off. Collection agents contact you regularly and sometimes at inopportune times, trying to gain your commitment to pay what you owe.

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  • Improve your credit score
    How to Improve Your Credit Score

    Improving your credit rating can be hard work, but it is achievable, no matter what your starting point is. If you’re looking to improve your credit score, F.J. Zielski & Associates Inc. can help you with the process. Whether you have a poor credit score or no credit history, you may be unable to negotiate fair terms for a loan until your rating improves. Consider the following guidelines as initial steps:

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  • Filing a Consumer Proposal in Kingston
    What You Need to Know About Filing a Consumer Proposal

    If you need immediate debt relief and a long-term debt solution, a consumer proposal can be a great alternative to bankruptcy. While it is ultimately your decision, a consumer proposal is often preferred when it is an available option as it has many advantages over filing for bankruptcy.

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  • 15/11/2016
    6 Expert Strategies to Manage Your Debt

    When you’re deeply immersed in debt, declaring bankruptcy may seem inevitable. However, there are other solutions. For starters, individuals in Kingston, Trenton, Belleville, and Cobourg can get credit counselling with F. J. Zielski & Associates Inc. Our insolvency trustees are qualified to offer you financial counselling that allows you to find the ladder leading to your financial freedom. Here is some of the debt management advice we offer folks like you every day.

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