Guides
How consumer proposals and bankruptcy work, and what changes in your province. Written by Licensed Insolvency Trustees and reviewed regularly.
Guide
How personal bankruptcy works in Canada: who can file, what you keep, surplus income, the 9- or 21-month discharge, and how long it stays on your credit report.
Guide
A consumer proposal lets Canadians with up to $250,000 in debt, not counting a home mortgage, repay part of it over up to five years. Here's how it works.
Guide · Alberta
In an Alberta bankruptcy you keep up to $40,000 of home equity and a $5,000 vehicle. How exemptions, garnishment, limitation and collection rules work here.
Guide · British Columbia
Filing a consumer proposal or bankruptcy in BC? What you can keep, how much pay can be garnished, the 2-year limitation period and BC's debt collection rules.
Guide · Nova Scotia
Nova Scotia debt guide: what you keep in bankruptcy, the 15% wage garnishment limit, the two-year limitation period, collector rules and consumer proposals.
Guide · Ontario
Debt help in Ontario: what you keep in a bankruptcy, the 20% wage garnishment cap, the two-year limitation period and how a consumer proposal fits in.