Getting started
When debt warning signs call for a closer look
Notice the pattern behind a difficult month without diagnosing yourself from a checklist.
Read the guide : When debt warning signs call for a closer lookThe guide library
A little more clarity.
One useful read at a time.
Practical guides for the decisions, documents and everyday questions that come with personal bankruptcy in Canada.
15 guides to explore
Getting started
Make your first trustee meeting specific to your life
Use the appointment to understand the consequences for your actual accounts, work and household.
Read the guide : Make your first trustee meeting specific to your life
Getting started
Build a debt inventory a trustee can work with
Create a traceable account record without deciding which debts qualify yourself.
Read the guide : Build a debt inventory a trustee can work with
Getting started
What to organize around the day bankruptcy is filed
Keep the legal milestone separate from the household tasks that surround it.
Read the guide : What to organize around the day bankruptcy is filed
Everyday life
Organize bank accounts and automatic payments before filing
Plan continuity for essential payments while obtaining advice about the accounts involved.
Read the guide : Organize bank accounts and automatic payments before filing
Everyday life
Work through the car question before choosing bankruptcy
Separate the legal treatment of a vehicle from the cost of getting where you need to go.
Read the guide : Work through the car question before choosing bankruptcy
Everyday life
Questions about renting when bankruptcy is being considered
Treat the tenancy, any arrears and a possible move as distinct issues.
Read the guide : Questions about renting when bankruptcy is being considered
Everyday life
Prepare work and income questions before a bankruptcy decision
Separate reporting income from questions about a particular job or professional role.
Read the guide : Prepare work and income questions before a bankruptcy decision
Everyday life
Discuss a spouse and joint debts without treating everything as shared
An individual filing raises household questions without making every obligation identical.
Read the guide : Discuss a spouse and joint debts without treating everything as shared
Everyday life
Get tax records and filing responsibilities clear before bankruptcy
Make a tax document list and a clear agreement about who prepares each return.
Read the guide : Get tax records and filing responsibilities clear before bankruptcy
Everyday life
Build a usable budget when income arrives unevenly
Track income timing and changes without confusing a personal budget with an insolvency calculation.
Read the guide : Build a usable budget when income arrives unevenly
Getting started
Prepare for bankruptcy counselling with questions from everyday life
Bring concrete money questions to required counselling and turn the discussion into usable routines.
Read the guide : Prepare for bankruptcy counselling with questions from everyday life
After bankruptcy
Know which discharge documents to keep and what they confirm
Confirm the legal stage reached and keep evidence that answers later questions.
Read the guide : Know which discharge documents to keep and what they confirm
After bankruptcy
Review a credit report after bankruptcy without chasing promises
Check the facts on both credit reports and document correction requests.
Read the guide : Review a credit report after bankruptcy without chasing promises
After bankruptcy
Build a monthly budget that works after bankruptcy
Translate a change in debt obligations into a workable plan for ordinary life.
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