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

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