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What are your options if you can’t afford to pay your creditors back?

Regardless of the types of creditors you owe, and how much you owe, you still have options available and the opportunity to maximize recovery to creditors and reduce personal financial liability.

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What you need to know about divorce and debt

The pandemic, childcare challenges, and the difficulties of spending much more time together during lockdowns made 2020 a difficult year for many couples.

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Debt and divorce: A financial fresh start

Divorce is a painful process for everyone involved. Add the financial stress of reconciling debt to the equation and it can quickly become overwhelming.

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What happens to debt in a divorce or separation?

It’s important to understand how the debt will ultimately be split up, and what happens when one spouse can no longer afford to pay their share.

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Discharge Period

Everyone’s financial journey is unique. If yours looks like it may lead you down the path of working with a Licensed Insolvency Trustee to file for Bankruptcy or submit a Consumer Proposal, then a debt-free future awaits you. The sign that you’ve finished all of your payments, is an official discharge from Bankruptcy or a Certificate of Full Performance from a Consumer Proposal.

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