Many Canadians enter marriage with a sizable debt burden from both parties. As the most heavily indebted country in the world by some measures, that doesn’t come as much of a surprise.

There are several common scenarios which may cause you to wonder whether personal bankruptcy is an appropriate option to get out of debt.

Have you ever requested a copy of your credit report? Many people I know never have and aren't even sure what it is or how to get one.

You finally met the right person and now you want to take your relationship to the next level. You move in together or you want to make it more official and get married.

Since last year, the Office of the Superintendant of Bankruptcy in Canada reported a 24% increase in the number of filings in Saskatchewan over the same 3 months in 2013 and 2014.

A client recently came to me distraught and on the verge of tears. She had tried to sell her house, but couldn't close the sale. There was a lien registered against her property which prevented the transaction from moving forward.

While no one really wants to borrow more than they can afford, life doesn't always go as planned. Things happen in life in which you have no control.

Consumers have often expressed their concerns to me about harassing calls from debt collectors and how to deal with collection agents. Some even complain that even though they have made an assignment in bankruptcy (i.e. filed for bankruptcy) or made a Consumer Proposal, some credit collection agents continue to call.

When a person in debt is trying to solve their money problems, they first have to make a choice of which debt solution they should use.

In Alberta, the answer to this question would be yes.