The phone won’t stop ringing. You’re afraid to answer the phone because you’re pretty sure it’s a collection agent.

Many people find they struggle financially during the post-Christmas winter months. Holiday credit card bills come in, and combined with higher energy and other winter expenses can put a strain on an otherwise balanced household budget.

A Consumer Proposal is a formal, legally binding process to deal with debt. Although it is not a bankruptcy, it falls under the Bankruptcy and Insolvency Act.

Read the answers to the top 5 most asked questions about bankruptcy.

Each quarter, we partner with Ipsos to survey more than 2,000 Canadians, gauging their thoughts, feelings, concerns and opinions about debt.

There’s been a point in nearly ever big city dweller’s life when they’ve thought fondly about leaving the bright lights behind and starting fresh in a small town.

Exciting news! MNP’s Insolvency team in Winnipeg has won the Consumer Choice Award in the Bankruptcy category for the Winnipeg region!

I filed bankruptcy and was not discharged due to money I still owed and was unable to pay the amount they wanted per month, the trustee closed my file cause the amount was court ordered and would not take smaller payments. What do I do now?

If i owe the government money and have assets such as a car and it is worth the amount that i owe to the government , are they able to take that from me??

You’re a good, honest person. You know you should pay your debts. You want to pay your debts. But you can’t.