Surplus income is one of the most important and often misunderstood parts of bankruptcy in Canada. If your income exceeds the government’s threshold, you may face higher payments and a longer bankruptcy term. Understanding how surplus income works, and how it compares to a consumer proposal, can help you choose the best path toward financial stability.

Behind on taxes or CERB repayments? Learn how CRA collections work in Ontario, what enforcement actions to expect, and how a Licensed Insolvency Trustee can help you stop garnishments, freeze interest, and reduce your debt through a legal consumer proposal.

Finishing a consumer proposal is a major achievement, it means you've taken control of your debt and followed through on a legally binding plan to repay what you could afford. But while the stress of collections and legal action is behind you, the next big question many people ask is: how do I rebuild my credit score?

Missed a mortgage payment in Canada? Learn what happens if you don't pay your mortgage — from foreclosure and credit impact to legal action and government help

A consumer proposal can help you get the relief you need from your debts. Find out if now the right time to file one!

If you can’t close on your pre-construction condo or house, don’t panic—there are practical solutions