{"id":8268,"date":"2020-07-14T15:39:28","date_gmt":"2020-07-14T15:39:28","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=8268"},"modified":"2024-12-05T11:20:54","modified_gmt":"2024-12-05T19:20:54","slug":"insolvency","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/insolvency","title":{"rendered":"Insolvency"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Banner Image with Heading and Text” module_class=”vertical-align” _builder_version=”4.16″ background_color=”#e7dff3″ use_background_color_gradient=”on” background_color_gradient_type=”circular” background_color_gradient_stops=”rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(91,37,175,0.44)” background_color_gradient_start_position=”15%” background_color_gradient_end=”rgba(91,37,175,0)” background_color_gradient_end_position=”70%” background_image=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/looking-at-debt-paperwork_hero.jpg” min_height=”550px” bottom_divider_style=”wave2″ bottom_divider_color=”#e7dff3″ bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”50px” bottom_divider_height_last_edited=”on|phone” background_last_edited=”on|phone” background_size_phone=”cover” background_position_tablet=”center_right” background_position_phone=”top_right” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_enable_image=”off” max_width=”100%” custom_margin=”||||false|false” custom_padding=”||90px||false|false” custom_padding_tablet=”” custom_padding_phone=”||80px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Heading” _builder_version=”4.16″ text_font=”|600|||||||” text_font_size=”42px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||26px|||” animation_direction=”top” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Insolvency[\/et_pb_text][et_pb_text admin_label=”Text” _builder_version=”4.16″ text_font_size=”22px” text_line_height=”1em” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||||false|false” custom_padding=”||||false|false” animation_direction=”bottom” text_text_shadow_style=”preset2″ global_colors_info=”{}”]Your last resort options when you can\u2019t repay your debts.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”Intro Paragraph” _builder_version=”4.16″ background_color=”rgba(91,37,175,0.15)” custom_padding=”0px||150px|||” custom_padding_tablet=”||140px||false|false” custom_padding_phone=”||86px||false|false” top_divider_style_last_edited=”off|desktop” bottom_divider_style=”ramp2″ bottom_divider_color=”#ffffff” bottom_divider_repeat=”1x” bottom_divider_flip=”horizontal|vertical” bottom_divider_style_tablet=”” bottom_divider_style_phone=”” bottom_divider_style_last_edited=”on|phone” bottom_divider_height_tablet=”70px” bottom_divider_height_phone=”100px” bottom_divider_height_last_edited=”on|phone” bottom_divider_flip_tablet=”” bottom_divider_flip_phone=”horizontal” bottom_divider_flip_last_edited=”on|phone” da_disable_devices=”off|off|off” collapsed=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|desktop” custom_padding=”0px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_dmb_breadcrumbs font_icon=”%%20%%” use_home_icon=”off” use_home_text=”on” show_custom_taxonomy_crumbs=”off” _builder_version=”4.21.0″ body_text_color=”rgba(102,102,102,0.8)” link_text_color=”rgba(42,209,61,0.8)” custom_padding_tablet=”” custom_padding_phone=”20px||||false|false” custom_padding_last_edited=”on|phone” animation_direction=”left” global_module=”6437″ saved_tabs=”all” global_colors_info=”{}” link_text_color__hover_enabled=”on|hover” link_text_color__hover=”rgba(90,39,178,0.4)”][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=”H1 Heading” _builder_version=”4.16″ custom_margin=”||0px|||” custom_padding=”||2px|||” animation_direction=”bottom” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Who Insolvency is For<\/h1>\n

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Being stuck in debt is scary, but fortunately, there are many options for overcoming financial difficulties. When facing extreme financial challenges, people are considered “insolvent” if they no longer have the means or ability to repay their debt. Insolvency is a legal process governed by Canada\u2019s Bankruptcy and Insolvency Act<\/em>. There are 2 ways to deal with debt through insolvency: a consumer proposal or bankruptcy.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”41px||0px|||” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/consumer-proposal_2colm.jpg” alt=”Couple looking at their finances and considering filing a consumer proposal to deal with their debts.” title_text=”consumer-proposal” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.16″ custom_padding=”||||false|false” custom_padding_tablet=”||25px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Consumer Proposal<\/h2>\n

Most people know about bankruptcy, but not as many have heard about consumer proposals. A proposal is another way to settle your debts and make payments over a period of time. It involves formally sending creditors a \u201cproposal\u201d to repay less than you owe, and if they agree, then you have 5 years to finish making your payments. This can provide you with some debt relief and potentially protect assets like your home. However, it also comes with costs and conditions that can\u2019t be ignored.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/debt-help\/consumer-proposal” button_text=”Learn More” button_alignment=”center” _builder_version=”4.27.2″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ hover_enabled=”0″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#FFFFFF” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” sticky_enabled=”0″ button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” prev_background_color=”#ffffff” next_background_color=”#ffffff” _builder_version=”4.16″ background_color=”#e4f8e0″ custom_padding=”285px||195px||false|false” custom_padding_tablet=”29px||71px||false|false” custom_padding_phone=”140px||70px||false|false” top_divider_style=”ramp2″ top_divider_height=”200px” top_divider_height_tablet=”” top_divider_height_phone=”60px” top_divider_height_last_edited=”on|tablet” bottom_divider_style=”curve2″ bottom_divider_flip=”vertical” bottom_divider_height_tablet=”60px” bottom_divider_height_phone=”40px” bottom_divider_height_last_edited=”on|phone” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”21px||||false|false” custom_padding_tablet=”135px||||false|false” custom_padding_phone=”0px||||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ custom_margin_tablet=”-8px||||false|false” custom_margin_phone=”” custom_margin_last_edited=”on|tablet” custom_padding=”||0px|||” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”40px||0px||false|false” custom_padding_last_edited=”on|phone” animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Bankruptcy<\/h2>\n

Declaring bankruptcy is the first choice most people think of when facing serious financial difficulty. However, this is a big decision that will have long-term consequences for your credit and job opportunities in certain fields. A lot of people come to us believing that bankruptcy is their only option, but when we explain the other solutions available, many change their minds. Get the full picture on bankruptcy and its alternatives before making a choice that could change your life.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/debt-help\/bankruptcy” button_text=”Find out more” button_alignment=”center” _builder_version=”4.27.2″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ hover_enabled=”0″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” sticky_enabled=”0″ button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ module_class=”first-on-mobile” _builder_version=”4.16″ animation_style=”slide” animation_direction=”right” animation_intensity_slide=”2%” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/08\/not-sure-getting-facts-bankruptcy_2colm.jpg” alt=”Not Sure Getting Facts Bankruptcy” title_text=”reading-facts-about-bankruptcy” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ max_height=”500px” max_height_tablet=”600px” max_height_phone=”” max_height_last_edited=”on|phone” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||-45px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||0px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ _module_preset=”default” custom_padding=”50px||5px||false|false” custom_padding_tablet=”20px||||false|false” custom_padding_phone=”40px||||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_id=”trustee” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”||0px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.16″ animation_style=”slide” animation_direction=”left” animation_intensity_slide=”2%” custom_css_main_element=”margin: auto;\t” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/avoiding-false-insolvency_2colm.jpg” alt=”Avoid Unnecessary Fees” title_text=”avoiding-false-insolvency” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” _builder_version=”4.22.0″ custom_padding_tablet=”||30px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text disabled_on=”on|on|off” _builder_version=”4.16″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n

Avoid Unnecessary Fees<\/h2>\n

There are a number of for-profit companies that advertise insolvency – especially consumer proposals – as a quick and easy way to get rid of your debt. However, by law, only a Licensed Insolvency Trustee (LIT) can fill out and file paperwork for insolvency. Trustees are specifically licensed by the Canadian government to administer these debt relief options, and the best way to find a reputable one near you is to contact a non-profit credit counselling organization like us.<\/p>\n

Non-profits know who the good bankruptcy trustees are. Because credit counsellors at non-profits are not paid commission, they can objectively guide you towards the best solution for your financial challenges \u2013 and it won\u2019t cost a cent.<\/p>\n

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Avoid Unnecessary Fees<\/h2>\n

There are a number of for-profit companies that advertise insolvency – especially consumer proposals – as a quick and easy way to get rid of your debt. However, by law, only a Licensed Insolvency Trustee (LIT) can fill out and file paperwork for insolvency. Trustees are specifically licensed by the Canadian government to administer these debt relief options, and the best way to find a reputable one near you is to contact a non-profit credit counselling organization like us.<\/p>\n

Non-profits know who the good bankruptcy trustees are. Because credit counsellors at non-profits are not paid commission, they can objectively guide you towards the best solution for your financial challenges \u2013 and it won\u2019t cost a cent.<\/p>\n

If either a consumer proposal or bankruptcy appears to be your best option, they will refer you to a reputable, licensed trustee, who will then help you legally file for insolvency. You can also check if a trustee is licensed by referencing the Government of Canada\u2019s Licensed Insolvency Trustee directory<\/a>.<\/p>\n

Unfortunately, some debt relief companies charge people thousands in fees only to then refer them to a trustee. The trustee then charges thousands more in legitimate consumer proposal or bankruptcy fees that are set by the government. Don\u2019t pay more than you have to. When in doubt, ask for advice from a non-profit credit counselling organization. They are there to help guide you through these challenges \u2013 not make money off your difficulties.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

If either a consumer proposal or bankruptcy appears to be your best option, they will refer you to a reputable, licensed trustee, who will then help you legally file for insolvency. You can also check if a trustee is licensed by referencing the Government of Canada\u2019s Licensed Insolvency Trustee directory<\/a>.<\/p>\n

Unfortunately, some debt relief companies charge people thousands in fees only to then refer them to a trustee. The trustee then charges thousands more in legitimate consumer proposal or bankruptcy fees that are set by the government. Don\u2019t pay more than you have to. When in doubt, ask for advice from a non-profit credit counselling organization. They are there to help guide you through these challenges \u2013 not make money off your difficulties.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#ffffff” next_background_color=”#ffffff” admin_label=”CTA 1 – You’re not alone” _builder_version=”4.16″ background_color=”#5b25af” background_enable_image=”off” max_width=”100%” custom_padding=”71px||1px||false|false” top_divider_style=”ramp2″ top_divider_height=”180px” top_divider_flip=”horizontal” top_divider_height_tablet=”100px” top_divider_height_phone=”” top_divider_height_last_edited=”on|phone” bottom_divider_style=”curve2″ bottom_divider_height=”150px” bottom_divider_style_last_edited=”off|tablet” bottom_divider_height_tablet=”80px” bottom_divider_height_phone=”70px” bottom_divider_height_last_edited=”on|phone” scroll_blur=”0|40|60|100|100px|0px|0px” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” admin_label=”Service Section Title” _builder_version=”4.16″ custom_margin=”|auto||auto|false|false” custom_padding=”180px||140px||false|false” custom_padding_tablet=”100px||100px||false|false” custom_padding_phone=”100px||||false|false” animation_direction=”top” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”rgba(255,255,255,0.6)” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_padding=”0px||3px|||” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

Think your situation is really bad?<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Title” _builder_version=”4.16″ text_font=”|700|||||||” text_text_color=”#ffffff” text_font_size=”30px” text_line_height=”1em” header_font=”||||||||” header_text_color=”#ffffff” header_2_font=”Montserrat|700||on|||||” header_2_font_size=”42px” header_2_line_height=”1.3em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”-15px||||false|false” animation_direction=”bottom” inline_fonts=”Work Sans” global_colors_info=”{}”]<\/p>\n

You still have options.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=”Subtitle” _builder_version=”4.16″ text_font=”||||||||” text_text_color=”#ffffff” text_line_height=”1.8em” header_font=”||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” max_width=”700px” module_alignment=”center” custom_margin=”|||” animation_direction=”bottom” global_colors_info=”{}”]<\/p>\n

Between financial difficulty and bankruptcy are many options. One of our certified credit counsellors can help you explore all of them and see if you need to get a consumer proposal, file for bankruptcy, or if there’s a better option. They can answer your questions honestly and objectively. Speaking with one of our counsellors is always free, confidential and without obligation.\u00a0<\/p>\n

[\/et_pb_text][et_pb_button button_url=”\/contact-us” button_text=”Let Us Help You” button_alignment=”center” _builder_version=”4.27.2″ _module_preset=”default” custom_button=”on” button_bg_color=”#2ad13d” button_icon=”5||divi||400″ hover_enabled=”0″ global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_enable_color__hover=”on” button_border_radius__hover_enabled=”on|hover” button_border_radius__hover=”8px” sticky_enabled=”0″ button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#2AD13D”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.16″ custom_padding=”90px||40px|||” custom_padding_tablet=”” custom_padding_phone=”50px||40px||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.16″ _module_preset=”default” custom_padding=”||14px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text disabled_on=”on|on|off” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

Bankruptcy vs. Consumer Proposal<\/h2>\n

Whether you file for bankruptcy or a consumer proposal depends on a number of factors including your financial situation, goals, and possibly even your job. Both insolvency options will typically allow you to repay only a portion of your unsecured debts and both have a variety of fees attached to them. Both will also create a permanent, searchable public record, which will show that you chose to deal with your debts through the insolvency process. With these similarities out of the way, here are some differences to be aware of:<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=”on” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_image src=”https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/insolvency-legal-process_2colm.jpg” alt=”Bankruptcy Vs. Consumer Proposal” title_text=”insolvency-legal-process” align_tablet=”center” align_phone=”” align_last_edited=”on|phone” disabled_on=”off|off|on” _builder_version=”4.22.0″ custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||-10px||false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”||5px||false|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” border_radii=”off|200px|20px|200px|20px” box_shadow_style=”preset2″ global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” module_class=”custom_row” _builder_version=”4.16″ width_tablet=”70%” width_phone=”80%” width_last_edited=”on|phone” custom_padding=”0px||0px|||” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”vertical-align second-on-mobile” _builder_version=”4.16″ animation_direction=”left” global_colors_info=”{}”][et_pb_text disabled_on=”on|on|off” _builder_version=”4.20.2″ animation_direction=”top” global_colors_info=”{}”]<\/p>\n