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Options, Costs and 2026 Rules
- Bankruptcy discharge in Canada: 9, 21, 24 or 36 months and what can delay it
- Consumer proposal rules in Canada: the $250,000 limit, the 45-day vote and the 5-year maximum
- Consumer proposal vs bankruptcy in Canada: how to choose in 2026
- Debts that survive bankruptcy in Canada, and the student loan 7-year rule
- What can you keep in a Canadian bankruptcy? Exempt property by province
- Surplus income in a Canadian bankruptcy: the 2026 standards and the 50% rule
- How much does a consumer proposal or bankruptcy cost in Canada? Trustee fees and the OSB levy
Calculations and Checklists
- How much should a consumer proposal offer? Sizing the payment step by step
- Debt management plan vs consumer proposal in Canada: cost, credit and legal protection compared
- Debt relief in Canada worked out: one household, four options, the arithmetic shown
- First meeting with a Licensed Insolvency Trustee: what to bring and what to ask
- Keeping your home and car: equity in a consumer proposal vs bankruptcy
- Mandatory counselling and your duties in a Canadian bankruptcy or consumer proposal
- How to calculate bankruptcy surplus income: a step-by-step 2026 example
Pitfalls, Failed Plans and Official Sources
- Missed consumer proposal payments: deemed annulment, revival and what to do
- How long does a consumer proposal or bankruptcy stay on your credit report in Canada?
- Debt relief mistakes Canadians make, and the official sources to check first
- Orderly Payment of Debts: the court consolidation program in Alberta, Nova Scotia, Saskatchewan and PEI
- Debt relief in Quebec: voluntary deposit (dépôt volontaire), proposals and bankruptcy
- Stay of proceedings: how a consumer proposal or bankruptcy stops collections and wage garnishment
- Unlicensed debt consultants in Canada: warning signs, provincial rules and safer options