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September 5, 2017

In today’s economy a “unicorn” is someone who is debt free – like real unicorns they are very rare indeed. Lack of employment opportunities, lower incomes, higher taxes, more expensive cost of living – we hear it all the time. Canadians are broke! By the same token people are fed up with being broke, they […]

Income disparity between men and women

September 5, 2017

Is there really a huge wage gap between men and women when the top 2% are removed from the data sample? This is an interesting and intriguing question which is certainly not resolved by our brief survey of a limited population set. However, we did look at thirty (30) random, joint insolvency files and compared […]

The Elephant in the Room for Insolvency Trustees

September 5, 2017

A 2016 Ontario Superior Court decision could be a game changer for some people filing for bankruptcy. Those most likely to be affected are individuals residing in volatile real-estate markets such as Toronto, Vancouver or Montreal as well as individuals who are in longer term bankruptcy administrations. People filing a second or third bankruptcy and […]


September 5, 2017

Consumer Proposals are designed specifically to reduce unsecured debts to manageable values. A Licensed Insolvency Trustee will help you to determine an appropriate monthly repayment value that will be acceptable to your creditors.  Your creditors have the opportunity to vote on acceptance, they can either vote in favour, vote against or abstain from voting. If […]

You are not a loser because you go bankrupt

September 5, 2017

The notion that you are a failure because you filed for bankruptcy is very old fashioned and irrelevant. In an earlier blog article, we listed a whole bunch of famous people who filed for bankruptcy, and some of the names are quite surprising. Bankruptcy is a legal process that allows people to solve difficult debt […]

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