Tariffs and debt in Ontario: a practical plan for auto and manufacturing workers in Windsor, Chatham-Kent and the 401 corridor Overtime is usually the first thing to go. If tariffs are cutting your hours or putting your job at risk,…
What Ontario homeowners should know about a consumer proposal mortgage renewal in a high-rate, slow-cut market Yes. In most cases, you can renew your mortgage while in a consumer proposal in Ontario. Your mortgage is secured debt, so it isn't…
Every quarter the federal Office of the Superintendent of Bankruptcy publishes the official count of insolvency filings across Canada. The second-quarter 2026 figures are out. For Southwestern Ontario they show something the province-wide headlines flatten: filings grew at very different…
Here's how the OAS clawback works in 2026, and what you can do to minimize it. Are you counting on your full Old Age Security (OAS) pension to help cover your costs in retirement? You've worked hard and paid into…
What Rising Insolvency Numbers Reveal About Household Finances in Ontario and Across Canada Consumer insolvencies in Canada reached their highest quarterly level since 2009 during the first three months of 2026. More than 37,000 Canadians filed a bankruptcy or consumer…
A Plain-Language Guide About Bankruptcy as a Newcomer to Canada Permanent resident? Work permit holder? You can file for a consumer proposal or bankruptcy as a newcomer to Canada, provided you currently live here. Filing does not make you inadmissible…
What Ontario Professionals Need to Know Before Filing A bankruptcy or consumer proposal in Ontario does not automatically cancel most professional licences. But nearly every regulator requires disclosure, and some have mandatory timelines measured in days, not weeks. Real estate…
Consumer Proposal in Ontario: Residents Should Understand What Happens to Your Vital Assets If you are considering a consumer proposal in Ontario, your biggest concern is likely how to keep your assets safe. And we understand the worry. However, debt…
A clear comparison of debt relief options and the specific role of credit counselling in your financial recovery. Are you lying awake at night wondering what to do about your mounting debt? It’s a common worry in Ontario right now.…
We work with individuals and families every day who are navigating financial stress and looking for real, practical solutions. One of the most significant proposed changes in 2026 is the new threshold for consumer proposals, increasing from $250,000 to $325,000.…
