About Margaret Johnson

Margaret's philosophy is simple: "Your credit rating is not a reflection of your personal worth, it is merely a credit industry tool." In 1999 after spending 25 years in the financial industry in both lending and collecting, Margaret launched Solutions Credit Counselling Service Inc™ and Women and Money Inc. to help those burdened with debt regain their financial independence. Since then she's helped countless individuals become financially literate in addition to recovering their financial health. Margaret is an Insolvency Counsellor registered by Industry Canada. She is the President of The Canadian Association of Independent Credit Counselling Agencies (CAICCA) Other memberships and activities: Member - Vancouver Insolvency Discussion Group Charter Member - Canadian Insolvency Foundation Member - Association for Financial Counselling and Planning Education Member - Association of Credit and Collection Professionals - ACA International Former Vice President of Credit Professionals International (CPI) Member of the CPI board - 9 years Former Director - Surrey Public Library Volunteer - The Union Gospel Mission Volunteer - The Elizabeth Fry Society Volunteer and Mentor - Dress for Success Vancouver Volunteer - Corrections Canada, Youth Secure Detention Centre Volunteer - HRDC Self Employment Entrepreneurial Development Society Volunteer - Womens Network to Work Program Margaret is a two-time nominee for Entrepreneur of the Year, and a dedicated community leader. Margaret in the Media Margaret is the leading thinker in the field of Independent Canadian credit counselling. As a popular and respected financial speaker, Margaret is regularly sought after by the media to comment on matters of debt and credit as they affect the Canadian consumer. She is the author of many articles on credit counselling, and writes a popular advice column to promote credit education as a part of healthy living. Margaret's columns are featured on the popular Canadian Websites MyTelus.com , Shaw: Finance and Canada Home Guide . Margaret's progressive thinking keeps her in demand for public speaking engagements. She is very proud to have been a presenter at the Chapters of Health national seminar series.

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

It’s Halloween and it’s time to get scared again. But I have something much more frightening than ghouls, Frankenstein or vampires. Yes, indeed. Zombie debts can fly out of the darkest caves and scare you into an appointment with a lawyer. Can anything beat that?

 A zombie debt is a debt that has died but keeps coming back to life. There are all kinds of them. It could be a forgotten dental bill or an old Visa balance. Continue reading

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