A True Fresh Start from Filing a Consumer Proposal
Three years ago, I met with a gentleman who had no source of income, was unable to [...]
Office of the Superintendent of Bankruptcy’s (“OSB”) 2021 Canadian Consumer Debtor Profile
Almost every person that I consult with about a personal bankruptcy or proposal has unique circumstances or [...]
Who Goes to See a Licensed Insolvency Trustee? March 11, 2022
Back in 2018, I wrote a series of blogs on “Who goes to see a Licensed Insolvency [...]
Causes of Financial Difficulty
People can be hard on themselves when they are unable to pay their debt obligations. They often [...]
What happens if someone co-signed one of my debts?
Filing a personal assignment in bankruptcy or consumer proposal will immediately provide you relief from most creditor’s [...]
How is Student Loan Debt Treated in a Consumer Proposal?
When you initially borrowed from the Government of Canada to fund your education, you never anticipated that [...]
The “Fresh Start” of a Personal Insolvency Filing
The Bankruptcy and Insolvency Act provides for an insolvent individual to file a personal assignment in bankruptcy [...]
Who files a Consumer Proposal?
A consumer proposal can be filed by a consumer debtor who owes not more than $250,000 (excluding [...]
Understanding the Process of a Consumer Proposal
A consumer proposal is a formal proceeding under the Bankruptcy and Insolvency Act wherein you offer a [...]
What happens if my circumstances change after filing a consumer proposal?
A consumer proposal is a formal filing under the Bankruptcy and Insolvency Act that offers a compromise [...]
