are you feeling financially squeezed?

ARE YOU FEELINGFINANCIALLY SQUEEZED?

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ARE YOU FEELING FINANCIALLYSQUEEZED AND TRAPPED BY DEBT?

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CONSIDER THE FOLLOWING QUESTIONS:

IF YOU ARE EMPLOYED FULL-TIME, DOYOU STILL STRUGGLE TO PAY YOUR BILLSAND MAKE ENDS MEET?

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DO YOU CARRY A LARGE AMOUNT OF STUDENTLOAN DEBT AND WONDER HOW TO PAY OFFYOUR STUDENT LOAN?

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ARE YOU STRUGGLING TO FIND FULL-TIME, LONG-TERMEMPLOYMENT IN YOUR CHOSEN FIELD?

ARE HIGH HOUSING COSTS MAKING ITALMOST IMPOSSIBLE FOR YOU TO SAVEFOR A DOWN PAYMENT ON A HOUSEAND BUY YOUR FIRST HOME?

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IS YOUR MORTGAGE DEBT MAKINGIT DIFFICULT TO AFFORD OTHERIMPORTANT THINGS?

ARE HIGH CHILD CARE COSTS CAUSING YOUTO STRUGGLE FINANCIALLY OR PROHIBITINGYOU FROM STARTING A FAMILY?

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IF YOU ANSWERED YES TO MOST OF THEABOVE QUESTIONS, IT’S LIKELY THAT YOU ARE

FINANCIALLY OVERWHELMED.

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IT’S ALSO LIKELY THAT YOU ARE BEING AFFECTEDBY A SOCIAL PHENOMENON CALLED,

‘GENERATION SQUEEZE’ OR GENSQUEEZE.

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GENERATION SQUEEZE IS A TERM THAT ISINCREASINGLY BEING USED TO DESCRIBE

CANADIANS BETWEEN THE AGES OF 25 – 45 YEARSWHO ARE FACING INCREASING FINANCIAL

CHALLENGES.

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FACED WITH FINANCIALPRESSURES, THOSE AFFECTEDBY GENSQUEEZE MAY OFTENRELY ON DEBT IN ORDER TOMANAGE FINANCIALLY.

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DEBT CAN QUICKLY SPIRAL OUT OF CONTROLAND BECOME PROBLEMATIC. IT CAN ALSOSEEM LIKE THERE IS NO WAY OUT OF THEENDLESS CYCLE OF DEBT.

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FOR MANY MILLENNIALS AND GEN X'ERS,THE SITUATION CAN SEEM HOPELESS,HOWEVER, THERE ARE WAYS TOEFFECTIVELY DEAL WITH DEBT ANDMITIGATE DEBT PROBLEMS.

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THERE ARE ALSO DEBT RELIEF PROFESSIONALSWHO CAN PROVIDE ADVICE AND INFORMATIONREGARDING THESE STRATEGIES.

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WHICH DEBT RELIEF STRATEGY IS BEST?IT DEPENDS, SELECTING THE BEST LONG-TERMDEBT RELIEF STRATEGY IS A PERSONAL CHOICEAND DEPENDS ON MANY INDIVIDUAL FACTORS.

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IT CAN BE A BENEFICIAL OPTION FOR MANY WHO ARESTRUGGLING TO DEAL WITH AND MANAGE THEIROVERWHELMING DEBT BURDENS.

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BANKRUPTCY IS ONE EXAMPLE THAT

ALTHOUGH UTILIZEDAS A LAST RESORT,

IF YOU ARE FEELING THE GENSQUEEZE, IT MAY BEWISE TO SPEAK WITH A TRUSTEE IN BANKRUPTCYWHO CAN ANSWER YOUR BANKRUPTCY QUESTIONSAND ASSIST YOU IN DETERMINING WHETHER THIS ISTHE RIGHT STEP FOR YOU.

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A TRUSTEE CAN ALSO SUGGEST OTHER,ALTERNATIVE OPTIONS, SUCH AS A CONSUMERPROPOSAL OR DEBT CONSOLIDATION

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THEY CAN RECOMMEND CREDIT COUNSELLINGSERVICES TO HELP YOU GET BACK ON TRACK ANDDEAL WITH THE FINANCIAL CHALLENGES YOU FACE

AS PART OF THE ‘SQUEEZE’ GENERATION.

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CONTACT YOUR NEAREST BDO OFFICE TO DISCUSSDEBT CONSOLIDATION AND RELIEF OPTIONS,

INCLUDING CONSUMER PROPOSALS OR FILING FORBANKRUPTCY AS A LAST RESORT.

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DOWNTOWN EDMONTON TELEPHONE: (587) 782 3685

EMAIL: EDMONTONDOWNTOWN@BDODEBTHELP.CASOUTHSIDE EDMONTON PHONE: (587) 782 3556EMAIL: EDMONTON@BDODEBTHELP.CA