Margaret H Johnson

Welcome! My name is Margaret, and I’m an Insolvency Counsellor registered by Industry Canada.

My philosophy is simple: “Your credit rating is not a reflection of your personal worth, it is merely a credit industry tool”.

After spending 25 years in the financial industry in both lending and collecting, I launched Solutions Credit Counselling Service Inc™ and Women and Money Inc. to help those burdened with debt regain their financial independence. Since then I’ve helped countless individuals become financially literate, and put them on the path to financial health recovery. I have also served many terms as President of the Canadian Association of Independent Credit Counselling Agencies (CAICCA). Continue reading

By Douglas P. Welbanks

A good friend of mine enjoyed a long distinguished career in one of Canada’s top 5 banks. He was well-liked by staff and colleagues. He possessed this rare ability to get along with virtually anyone. Not an easy task in any industry because there is usually at least one aggravating person in any crowd or office that challenges us to the maximum. Continue reading

You’ve heard about debtors prisons, right? They were made somewhat famous by Charles Dickens in the 1800s through fictional characters and events. His father had been imprisoned for debt. His family suffered great shame and austerity. As society progressed out of the harsh middle ages eliminating debtors’ prisons became an essential part of a civilized society and disappeared by the 20th Century in most modernized countries. The appearance of bankruptcy legislation assisted in providing an end to a creditor’s contractual obligation to collect debts, even if the debtor had no means to repay, and that it became very expensive to house a growing population of debtors in prisons. Continue reading

By Douglas P. Welbanks

I have been waiting for a long time for someone else to speak up about the sudden disappearance of common courtesies and basic manners. Thank you Douglas Todd for having the audacity to make the issue public in his recent article entitled, Are bad manners slowly becoming socially acceptable?

He begins the public discussion by citing a recent poll conducted by Mario Canesco of Insights West that suggests our international reputation of Canadian politeness is rapidly becoming extinct. In the survey he found 62% of British Columbians out of a group of 700 believe we are less polite – and that this deterioration has occurred in the last 5 years. Highlights of this survey are as follows: Continue reading