GEM Debt Law
105 West Beaver Creek Road, Unit 3-2 L4B1C6 Richmond Hill, ON, Canada

EMERGENCY FUND *When should you use it? In case of job loss... In case the spouse or partner loses their job In case of illness In case life disaster happens such as house burning down *When should you NOT use it? Spontaneous purchases Holiday gift buying New technology Everyday expenses such as groceries, coffee, things that go beyond your budget *Ways to build the emergency fund back up: Put a pause on other money goals and only focus on the emergency fund Track spending. Now is the time to really stick to your budget Set automatic payments from your paycheque each month *Finding that you already have too much debt and no emergency fund? Our job is to help people reduce debt and pay lesser than the amount they owe. Some of our clients reduced their debts up to 75%. Ask us about debt solutions today! 1866.570.9988 Full Blog: https://www.debtlaw.ca/when-should-you-break-your-emergenc/ #personalfinance #emergencyfund #need #financialfreedom #saving #budget #budgeting #money #personalfinance #savemoney #funds #rainydayfund #debtfree #debtfreejourney #savings #savingaccount #canadafinancial #canada #debthelp #creditptoblem #paydayloans #debtloads #costs #interest #interestrate #bills #statements #collections #collectioncalls

December is here! May this month be filled with joy, happiness, and peace for you and your families. - GEM Debt Law #hellodecember #welcomedecember #snow #financialadvisor #winter #2020

Holiday Shopping As the holidays approach we want to make sure that you're not overspending and falling into a financial burden. Our professionals have put together a list of things that will help you avoid overspending. ... Saving early helps Don't purchase everything all at once Create a gift list Use your creativity Full blog post on our website. - debtlaw.ca Enjoy the holidays and happy shopping!! #holiday #shopping #debt #avoiddebt #shoppinglist #holidaybudget #christmas #lawyer #family #settledebt #2020

Debt itself can be very stressful. Imagine having to also look for advice and professional services. The options are endless. When looking for a debt specialist, consider the following:... Accreditation Transparency Tuition Costs and CRA Debt Free Consultation. No obligation. At GEM Debt Law we guarantee professional services, transparency, no hidden costs and with each one of you reaching out, we have a free and confidential conversation. Trusted by many Canadians and will continue to provide life-changing solutions! Reach out to us today! #consumerproposal #bankruptcy #debt #debtsettlement #cradebt #taxes #behindonpayments #debtloads #credit #creditscore #lawyer #help #financialhelp #debtsolutions #richmondhill #canadadebt #debtfreecommunity #debtfreegoals #debtfree #debtpayoff #debtsucks #debtmanagement #collections #billstopay

November is Financial Literacy Month. Did you know we have a lot of educational material on our website? Check out debtlaw.ca We came up with top financial tips to help you in your everyday life, such as the following: 1. Set Financial Goals- helps with money management. ... 2. Is it a need or a want?- helps with achieving your lifelong goals. 3. Pay Your Credit Card Statement- helps increase your credit score. 4. Figure Out Your Debt- motivates you to start saving! 5. Automate Your Process- Unseen automated transaction to save money! 6. Stay away from co-signing loans- don't destroy your credit because of someone else. 7. Pay Yourself First- Saving before anything. 8. Maximize Employee Benefits- Take advantage of those! 9. Evaluate your process by cost per use- Don't always need to purchase the latest trends. 10. Focus on yourself. Not Others.- You know your financial situation best. Full blog post on our website. Need some help? Contact us today! #FLM2020 #november #financialliteracy #finlit #finlitmonth #financialliteracymonth #education #financialeducation #law #financialtips #debtontario #debtcanada #settledebt #debts #badcredit #bankruptcy #consumerproposal #personaldebt #canada #financial #financialplanning #financialgoals

REMEMBRANCE DAY Today we remember the members of the armed forces who have died in the line of duty. This day is a reminder for us all to never forget that they sacrificed their lives for our freedom today. ... #lestweforget #remembranceday #remember #poppy #poppyflower #worldwar #remembering #rememberthem #veterans #ww #canadaremembers

Do you ever wonder what Bankruptcy, Consumer Proposal, and Debt Settlement actually mean? Do you wonder what each of these things really does, or their effect on your life? Find out more in our newest blog post #bankruptcy #consumerproposal #debtsettlement #debtrelief #getoutofdebt

Minimum Payment Trap On Credit Cards How to avoid and get out of it in our newest blog post #minimumpaymenttrap #creditcards #debt #getoutofdebt

We're happy to answer any questions and help you overcome financial struggles. Reach out today!