{"id":8642,"date":"2020-07-16T18:22:25","date_gmt":"2020-07-16T18:22:25","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=8642"},"modified":"2025-05-01T15:10:58","modified_gmt":"2025-05-01T22:10:58","slug":"bankruptcy","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/bankruptcy","title":{"rendered":"Bankruptcy"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; background_color_gradient_start_position=&#8221;15%&#8221; background_color_gradient_end=&#8221;rgba(91,37,175,0)&#8221; background_color_gradient_end_position=&#8221;70%&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/bankruptcy_hero.jpg&#8221; min_height=&#8221;550px&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#e7dff3&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; background_last_edited=&#8221;on|phone&#8221; background_size_phone=&#8221;cover&#8221; background_position_tablet=&#8221;top_center&#8221; background_position_phone=&#8221;top_center&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]Bankruptcy[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.16&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]Understand what\u2019s involved before you declare bankruptcy.[\/et_pb_text][et_pb_button button_url=&#8221;#debt-help-form&#8221; button_text=&#8221;Get Help Now&#8221; button_alignment=&#8221;center&#8221; disabled_on=&#8221;on|on|off&#8221; module_class=&#8221;ccs-modal-trigger&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;tel:1-888-527-8999&#8243; button_text=&#8221;1-888-527-8999&#8243; button_alignment=&#8221;center&#8221; disabled_on=&#8221;off|off|on&#8221; module_class=&#8221;ccs-modal-trigger&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Intro Paragraph&#8221; module_id=&#8221;your-choice&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; custom_padding=&#8221;0px||150px|||&#8221; custom_padding_tablet=&#8221;||140px||false|false&#8221; custom_padding_phone=&#8221;||45px||false|false&#8221; top_divider_style_last_edited=&#8221;off|desktop&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#ffffff&#8221; bottom_divider_repeat=&#8221;1x&#8221; bottom_divider_flip=&#8221;horizontal|vertical&#8221; bottom_divider_style_tablet=&#8221;&#8221; bottom_divider_style_phone=&#8221;&#8221; bottom_divider_style_last_edited=&#8221;on|phone&#8221; bottom_divider_height_tablet=&#8221;70px&#8221; 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use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.27.4&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_margin=&#8221;||50px|||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; animation_speed_curve=&#8221;ease-in&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text admin_label=&#8221;H1 Heading&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||2px|||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Is Bankruptcy Really Your Only Choice?<\/h1>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Text&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>When facing serious financial difficulty, declaring bankruptcy is often the first thing that comes to mind. However, filing for bankruptcy is a big decision that needs to be explored carefully as it can affect your credit and job opportunities for years to come. Fortunately, between financial difficulty and bankruptcy there are a lot of options, and our credit counsellors are experts at helping people explore these options. Get the full picture on bankruptcy and its alternatives before making a choice that could impact your life in more ways than you expect.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Popup &#8211; #debt-help-popup&#8221; module_id=&#8221;debt-help-popup&#8221; module_class=&#8221;popup&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; da_is_popup=&#8221;on&#8221; da_popup_slug=&#8221;debt-help-popup&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; 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header_font_size_last_edited=&#8221;on|phone&#8221; icon_font_size_tablet=&#8221;96px&#8221; icon_font_size_phone=&#8221;70px&#8221; icon_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221; icon_color__hover_enabled=&#8221;on|hover&#8221; icon_color__hover=&#8221;#2ad13d&#8221; header_text_color__hover_enabled=&#8221;on|desktop&#8221; header_text_color__hover=&#8221;#2ad13d&#8221; image__hover_enabled=&#8221;on|hover&#8221; image__hover=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/consumer-proposal_icon_green.png&#8221;][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e4f8e0&#8243; custom_padding=&#8221;180px||160px||false|false&#8221; custom_padding_tablet=&#8221;100px||130px||false|false&#8221; custom_padding_phone=&#8221;&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_height=&#8221;200px&#8221; top_divider_height_tablet=&#8221;&#8221; top_divider_height_phone=&#8221;60px&#8221; top_divider_height_last_edited=&#8221;on|tablet&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;when-to-consider&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;18px||0px||false|false&#8221; custom_padding_tablet=&#8221;||5px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/discussing-on-the-phone_2colm.jpg&#8221; alt=&#8221;Couple looking at their finances and considering filing a consumer proposal to deal with their debts.&#8221; title_text=&#8221;discussing-on-the-phone&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; custom_padding_tablet=&#8221;||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;0px||||false|false&#8221; custom_padding_tablet=&#8221;0px||||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>When to Consider Bankruptcy<\/h2>\n<p>Avoid filing bankruptcy, consider declaring bankruptcy only when all other options for dealing with your debt have been exhausted.\u00a0That means you:<\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">Cannot afford to repay the debt within a reasonable period of time<\/span><\/li>\n<li>Cannot repay your debt by selling your assets<\/li>\n<li>Don\u2019t qualify for or don\u2019t wish to start a <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-management-program\">debt management program<\/a><\/li>\n<li>Don\u2019t qualify for or don\u2019t want to get a <a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\">debt consolidation loan<\/a><\/li>\n<li>Have been declined for or don\u2019t want to file a <a href=\"https:\/\/nomoredebts.org\/debt-help\/consumer-proposal\">consumer proposal<\/a><\/li>\n<li>Owe the government money for debts that can be included in a bankruptcy<\/li>\n<li>Have assets or income that could be in jeopardy if you don\u2019t deal with your debt problems<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; custom_padding_tablet=&#8221;0px|35px||35px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you haven\u2019t yet considered all of the above options, please do so before committing to bankruptcy, if nothing else works, then it is an option that you can always fall back on. If you would like assistance understanding all your debt repayment options and avoid bankruptcy, <a href=\"https:\/\/nomoredebts.org\/contact-us\">give us a call<\/a> and we\u2019ll be happy to help.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Testimonial &#8211; Chris&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Testimonial&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;0px||0px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;80px|0px|0px||false|false&#8221; custom_padding_tablet=&#8221;30px||||false|false&#8221; custom_padding_phone=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/client-tammy_testimonial.jpg&#8221; alt=&#8221;Client Tammy&#8221; show_bottom_space=&#8221;off&#8221; align=&#8221;center&#8221; admin_label=&#8221;Chris&#8221; _builder_version=&#8221;4.22.0&#8243; width=&#8221;100%&#8221; max_width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; max_height=&#8221;385px&#8221; custom_margin=&#8221;15px|0px|0px|80px|false|false&#8221; custom_margin_tablet=&#8221;0px|||0px|false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding_tablet=&#8221;||35px||false|false&#8221; custom_padding_phone=&#8221;||0px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; border_radii=&#8221;on|436px|436px|436px|436px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_horizontal=&#8221;4px&#8221; box_shadow_vertical=&#8221;4px&#8221; box_shadow_blur=&#8221;21px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/05\/Testimonial_speech.png&#8221; alt=&#8221;Testimonial speech&#8221; title_text=&#8221;Testimonial&#8221; admin_label=&#8221;Quotation Mark&#8221; _builder_version=&#8221;4.16&#8243; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|phone&#8221; transform_translate_tablet=&#8221;&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|phone&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|phone&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|phone&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; max_width=&#8221;150px&#8221; max_width_tablet=&#8221;122px&#8221; max_width_phone=&#8221;116px&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_tablet=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_phone=&#8221;-25px|0px|-25px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|42px||42px|false|true&#8221; custom_padding_tablet=&#8221;0px|50px||0px|false|false&#8221; custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#5b25af&#8221; header_font_size=&#8221;42px&#8221; header_line_height=&#8221;1.3em&#8221; header_2_font=&#8221;Work Sans|600|||||||&#8221; header_2_text_color=&#8221;#5b25af&#8221; header_2_font_size=&#8221;42px&#8221; width=&#8221;94%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;|0px|0px|0px|false|true&#8221; custom_padding=&#8221;|0px||89px|true|false&#8221; custom_padding_tablet=&#8221;|||51px|true|false&#8221; custom_padding_phone=&#8221;|||38px|true|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;left&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;font-weight: 600;||    font-size: 42px;||    color: #2b2b2b!important;||    line-height: 1.3em;||    text-align: left;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>I honestly didn\u2019t know what to do<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Testimonial &#8211; Sandra&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|50px||50px|true|true&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>I\u2019m so grateful for the help of The Credit Counselling Society. I honestly didn\u2019t know what to do. I got myself in debt way more than I could handle. And it\u2019s nice to know that I\u2019m paying off my debt with their help rather than claiming bankruptcy. Thank you so much everybody that spoke with me at credit counselling.<\/p>\n<p><strong>Tammy<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; prev_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e7dff3&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;100px||100px||false|false&#8221; custom_padding_tablet=&#8221;70px||100px||false|false&#8221; custom_padding_phone=&#8221;&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_height=&#8221;200px&#8221; bottom_divider_style=&#8221;ramp2&#8243; bottom_divider_color=&#8221;#5b25af&#8221; bottom_divider_height=&#8221;150px&#8221; bottom_divider_height_tablet=&#8221;100px&#8221; bottom_divider_height_phone=&#8221;80px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;200px||50px||false|false&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.0&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Filing for Personal Bankruptcy in Canada<\/h2>\n<p>Filing for bankruptcy in <a href=\"https:\/\/nomoredebts.org\/bankruptcy-canada\" style=\"color: #666;\">Canada<\/a> is a legal process. The goal is to help you deal with your debts and the process is governed by the <em>Bankruptcy and Insolvency Act<\/em>. When you file bankruptcy, a licensed insolvency trustee in your province will fill out the forms, do the paperwork, and guide you through the 9-21 month process. If this is your second time filing bankruptcy, the process can take up to 36 months.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/07\/filing-bankruptcy_2colm.jpg&#8221; alt=&#8221;Filing For Personal Bankruptcy&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||10px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;CTA &#8211; 9 Question Quiz &#8211; Original&#8221; _builder_version=&#8221;4.23.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#5B25AF&#8221; custom_padding=&#8221;||4px|||&#8221; da_disable_devices=&#8221;off|off|off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row module_id=&#8221;nine-question-cta-original&#8221; _builder_version=&#8221;4.25.0&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.22.0&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.7)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]You Probably Have Other Options[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.22.0&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;1000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]See What They Are[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.23.4&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1500ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;2000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>You may have an idea of how to resolve your financial situation, but it&#8217;s very possible that other viable options may be available to you &#8211; other options that could potentially resolve your situation more quickly, with no court record, with better long-term results, and affordably with payments that are designed to fit your budget. Every option has pros and cons, but it&#8217;s definitely worth taking a few minutes to see what your other options look like. Click below to answer 9 questions and see your results.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-medium&#8221; button_text=&#8221;Discover Your Options&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.23.4&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off|desktop&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; 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background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]See what other options you have[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.25.0&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.9)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;1000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]You can find out in minutes[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.25.0&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.6em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-15px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; animation_duration_tablet=&#8221;1500ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; animation_delay_tablet=&#8221;2000ms&#8221; animation_delay_phone=&#8221;&#8221; animation_delay_last_edited=&#8221;on|tablet&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]It&#8217;s possible that other options may be available to you. If you take a few minutes and answer 9 quick questions, you can find out. Just click the button below and then respond to the short questions.[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/nomoredebts.org\/financial-tools-resources\/debt-quiz-assessment-tool-medium&#8221; button_text=&#8221;Discover My Options&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.25.0&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; animation_style=&#8221;fade&#8221; animation_duration=&#8221;2000ms&#8221; animation_starting_opacity=&#8221;30%&#8221; animation_duration_tablet=&#8221;1000ms&#8221; animation_duration_phone=&#8221;&#8221; animation_duration_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off|desktop&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; 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custom_padding_last_edited=&#8221;on|phone&#8221; prev_background_color=&#8221;#5B25AF&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px|||||&#8221; custom_padding=&#8221;168px|||||&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;170px||||false|false&#8221; top_divider_style=&#8221;slant2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||20px|||&#8221; custom_padding_tablet=&#8221;|40px|20px|40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/what-happens-to-your-assets-and-income_2colm.jpg&#8221; alt=&#8221;What Happens To Your Assets And Income&#8221; title_text=&#8221;what-happens-to-your-assets-and-income&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;off|off|on&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;10px||5px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>How Bankruptcies Work in Canada<\/h2>\n<p>When you declare bankruptcy, all collection activity on your debts is stopped and your creditors will accept new payment terms according to the court approved bankruptcy agreement. However, this only works for unsecured debt, which is debt that you haven\u2019t put up collateral for. Secured debts are not included in bankruptcy.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||3px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/what-happens-to-your-assets-and-income_2colm.jpg&#8221; alt=&#8221;What Happens To Your Assets And Income&#8221; title_text=&#8221;what-happens-to-your-assets-and-income&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; disabled_on=&#8221;on|on|off&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;10px||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3><span style=\"font-size: 16px;\">What Happens to Your Assets and Income<\/span><\/h3>\n<p><span style=\"font-size: 16px;\">However, if you have a certain amount of equity in assets such as a vehicle or your home, your trustee will need to sell those assets and use the funds towards paying your creditors as part of your <a href=\"https:\/\/nomoredebts.org\/blog\/bankruptcy\/what-is-the-bankruptcy-process-in-canada\">bankruptcy process.<\/a> If you can afford it, you\u2019re also able to \u201cbuy back\u201d your assets, which means paying the value that\u2019s above what you\u2019re allowed to keep to your trustee.<\/span><\/p>\n<p>Other assets that can be lost in bankruptcy include RESPs, tax refunds, RRSP contributions for the past 12 months, and other valuables. Every province has a list of bankruptcy exemptions, which are the things that you get to keep. These can include business tools and household effects up to a certain value.<\/p>\n<p>Bankruptcy also restricts your income. Depending on your family size and makeup, 50% of all money you earn over a certain amount must be paid each month to your trustee, who will eventually disburse it to your creditors.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.22.0&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;12px||3px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.23.4&#8243; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Who Qualifies to File for Bankruptcy?<\/h2>\n<p><span style=\"font-size: 16px;\">A particular group of people can file for bankruptcy. These include people with an inability to repay their debts. It is assessed by taking into account the assets, means tests, income value, expenses, and pending obligations of people. It can be filed by people who have a regular source of income but wish to restructure their debts. In Canada, individuals facing insolvency with a regular income can file for bankruptcy under the Bankruptcy and Insolvency Act. Individuals must have sufficient income to initiate a repayment plan. In addition, it\u2019s always a better idea to consult an attorney.<\/span><\/p>\n<h2>Bankruptcy Pros and Cons<\/h2>\n<p><span style=\"font-size: 16px;\">While declaring bankruptcy can help you by giving you an opportunity to have a new financial start by getting rid of eligible debts and securing relief from overburdened financial liabilities, it also keeps debt collectors from initiating harsh actions against you. It provides you the time to restructure your financial situation. Drawbacks include the drastic decline of your credit score and loss of assets through the process of liquidation. It also prevents you from getting any form of credit for years to come. Therefore, bankruptcy is a serious matter that must be dealt with through professional help and expert assistance.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#ffffff&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; top_divider_style=&#8221;wave2&#8243; top_divider_height_tablet=&#8221;60px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_flip=&#8221;horizontal&#8221; bottom_divider_height_tablet=&#8221;60px&#8221; bottom_divider_height_phone=&#8221;&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;800px&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;90px||70px||false|false&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;H2 + Paragraph Text&#8221; _builder_version=&#8221;4.22.0&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>10 Steps to Filing Bankruptcy<\/h2>\n<ol>\n<li><a href=\"\/debt-help\/bankruptcy\/do-you-need-to-claim-declare-file-apply-for-bankruptcy-go-bankrupt-step-1\" target=\"_blank\" rel=\"noopener noreferrer\">Figure out if you need to declare personal bankruptcy.<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/bankruptcy-trustee-help-fill-out-forms-step-2\" target=\"_blank\" rel=\"noopener noreferrer\">File paperwork with a licensed insolvency trustee.<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/can-i-keep-my-assets-if-i-declare-bankruptcy-step-3\" target=\"_blank\" rel=\"noopener noreferrer\">Your assets will be sold.<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/creditors-informed-about-filing-for-bankruptcy-meeting-officer-of-superintendent-of-bankruptcy-osb-steps-4-6\" target=\"_blank\" rel=\"noopener noreferrer\">Creditors are told about your bankruptcy.<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/creditors-informed-about-filing-for-bankruptcy-meeting-officer-of-superintendent-of-bankruptcy-osb-steps-4-6\" target=\"_blank\" rel=\"noopener noreferrer\">A creditor meeting may be called.<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/creditors-informed-about-filing-for-bankruptcy-meeting-officer-of-superintendent-of-bankruptcy-osb-steps-4-6\" target=\"_blank\" rel=\"noopener noreferrer\">If necessary, you\u2019ll meet an officer from the Office of the Superintendent of Bankruptcy (OSB).<\/a><\/li>\n<li><a href=\"\/debt-help\/bankruptcy\/bankruptcy-counselling-attend-two-sessions-step-7\" target=\"_blank\" rel=\"noopener noreferrer\">You\u2019ll attend 2 bankruptcy counselling sessions.<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/discharge-process-and-timeline\" target=\"_blank\" rel=\"noopener noreferrer\">Your trustee will petition the OSB to approve or deny your bankruptcy discharge.<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/discharge-process-and-timeline\" target=\"_blank\" rel=\"noopener noreferrer\">Your bankruptcy is discharged either automatically or according to a court ruling.<\/a><\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/debt-help\/bankruptcy\/life-after-bankruptcy-discharge-bright-financial-future-step-10-2\" target=\"_blank\" rel=\"noopener noreferrer\">Your life after bankruptcy begins.<\/a><\/li>\n<\/ol>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#5b25af&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||164px|||&#8221; bottom_divider_style=&#8221;ramp2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; module_class=&#8221;custom_row&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin_tablet=&#8221;||-25px||false|false&#8221; custom_margin_phone=&#8221;||-30px||false|false&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;||0px|||&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;vertical-align second-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.0&#8243; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Debts That Bankruptcy Won\u2019t Get Rid Of<\/h2>\n<p>Most people think that filing for bankruptcy will take care of all their debts, but that isn\u2019t true for everyone. Beyond the difference between how secured and unsecured debts are treated, there are debts that are legally excluded from a filing. These include:<\/p>\n<ul>\n<li>Money you owe for child support<\/li>\n<li>Money you owe for spousal support<\/li>\n<li>Court-ordered fines<\/li>\n<li>Debts that arise due to fraudulent activity<\/li>\n<li>Government issued student loans less than 7 years old (with some exceptions)<\/li>\n<li>Certain government overpayments<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;first-on-mobile&#8221; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/bankruptcy-will-not-get-rid-off-all-debts_2colm.jpg&#8221; alt=&#8221;Debts That Bankruptcy Won\u2019t Get Rid&#8221; title_text=&#8221;bankruptcy-will-not-get-rid-off-all-debts&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; max_height=&#8221;575px&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||-15px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; custom_padding_tablet=&#8221;0px|||35px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>If any of the debts you want to get rid of are on this list, bankruptcy might not be your best option. Review all the <a href=\"\/debt-help\/debt-consolidation\" target=\"_blank\" rel=\"noopener noreferrer\">alternatives to bankruptcy<\/a> with a non-profit credit counsellor to find the best path forward.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#e7dff3&#8243; admin_label=&#8221;CTA 1 &#8211; You&#8217;re not alone&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#5b25af&#8221; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_padding=&#8221;70px||1px||false|false&#8221; custom_padding_tablet=&#8221;5px||30px||false|false&#8221; custom_padding_phone=&#8221;&#8221; top_divider_height=&#8221;180px&#8221; top_divider_flip=&#8221;horizontal&#8221; top_divider_height_tablet=&#8221;100px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;curve2&#8243; bottom_divider_height=&#8221;150px&#8221; bottom_divider_style_last_edited=&#8221;off|tablet&#8221; bottom_divider_height_tablet=&#8221;80px&#8221; bottom_divider_height_phone=&#8221;70px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; scroll_blur=&#8221;0|40|60|100|100px|0px|0px&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Service Section Title&#8221; _builder_version=&#8221;4.16&#8243; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_padding=&#8221;||140px||false|false&#8221; custom_padding_tablet=&#8221;100px||100px||false|false&#8221; custom_padding_phone=&#8221;100px||||false|false&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.6)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Need some questions answered?<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px||||false|false&#8221; custom_padding=&#8221;||0px|||&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Wondering if bankruptcy is for you?<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; custom_padding=&#8221;0px|||||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>If you feel that your situation is so bad that you may need to declare bankruptcy, don\u2019t worry. You\u2019re not alone. This is how a lot of people feel when they don\u2019t see any light at the end of the tunnel.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-20px|||||&#8221; custom_padding=&#8221;3px|||||&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Fortunately, for many people who feel this way, there are other less severe options. Speak with one of our credit counsellors to learn all your options. They\u2019ll be happy to carefully review your whole financial situation with you and answer any questions you may have. Speaking with our certified counsellors is always free, confidential and without any obligation. We\u2019re here to help.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us&#8221; button_text=&#8221;Let Us Help You&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; next_background_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; custom_padding=&#8221;||144px|||&#8221; custom_padding_tablet=&#8221;150px||145px||false|false&#8221; custom_padding_phone=&#8221;60px||||false|false&#8221; top_divider_height_tablet=&#8221;70px&#8221; top_divider_height_phone=&#8221;&#8221; top_divider_height_last_edited=&#8221;on|phone&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_height_tablet=&#8221;70px&#8221; bottom_divider_height_phone=&#8221;50px&#8221; bottom_divider_height_last_edited=&#8221;on|phone&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_id=&#8221;cost&#8221; _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;70%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;130px||0px||false|false&#8221; custom_padding_tablet=&#8221;0px||0px||false|false&#8221; custom_padding_phone=&#8221;70px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/true-cost-of-bankruptcy_2colm.jpg&#8221; alt=&#8221;True Cost Of Bankruptcy&#8221; title_text=&#8221;true-cost-of-bankruptcy&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; animation_direction=&#8221;right&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; custom_margin_tablet=&#8221;||-15px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>True Cost of Bankruptcy<\/h2>\n<p>When you already don\u2019t have enough money to pay your bills, you might wonder why it costs so much to go bankrupt. Fees include around $1,800 to your trustee for administrative, court, and filing expenses. However, the cost of bankruptcy also includes:<\/p>\n<ul>\n<li>If you have surplus income or assets, those amounts will need to be paid to your trustee as well.<\/li>\n<li>You\u2019ll need to maintain payments on your secured debts if you keep those assets.<\/li>\n<li>Your credit rating will be greatly damaged for 7-9 years.<\/li>\n<li>You\u2019ll have to report your income and expenses to your trustee each month throughout the bankruptcy process, and they will file your income tax returns and keep any refunds you\u2019re due.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding_tablet=&#8221;|38px||38px|false|true&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Your bankruptcy will be a matter of public record, limiting your ability to work in certain fields and be bonded. If you belong to a professional association, they may require you to inform them and then decide if you can remain a member. It can also affect your ability to be self-employed or hold any position of trust.<\/li>\n<\/ul>\n<p>Once you sign the bankruptcy paperwork, it&#8217;s nearly impossible to back out and change your mind. For all these reasons and more, make sure that bankruptcy is truly the best option for you. We can help you figure out your best options for free, and if bankruptcy turns out to be the best way to go, we can refer you to a reputable trustee in your area.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Talk to Us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Testimonial &#8211; 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module_alignment=&#8221;left&#8221; custom_margin=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_tablet=&#8221;-30px|0px|-30px|0px|true|true&#8221; custom_margin_phone=&#8221;-25px|0px|-25px||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px|42px||42px|false|true&#8221; custom_padding_tablet=&#8221;0px|50px||0px|false|false&#8221; custom_padding_phone=&#8221;40px|60px|0px|0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; filter_opacity=&#8221;30%&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text content_tablet=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h2>I feel like I can breathe again<\/h2>\n<p>&#8221; content_last_edited=&#8221;off|desktop&#8221; admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; header_font=&#8221;|600|||||||&#8221; header_text_align=&#8221;left&#8221; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>I was so relieved after our first conversation<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Testimonial &#8211; Sandra&#8221; _builder_version=&#8221;4.16&#8243; transform_translate_linked=&#8221;off&#8221; width=&#8221;100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;100%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;15px|0px|0px|0px|false|true&#8221; custom_padding=&#8221;0px|89px|0px|89px|true|true&#8221; custom_padding_tablet=&#8221;|51px||51px|true|true&#8221; custom_padding_phone=&#8221;|40px||40px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]Working with you really changed my world. I was at a difficult place when I called CCS and was so relieved after our first conversation.<\/p>\n<p><strong>Sam<\/strong>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Full Page Width Image with CTA&#8221; _builder_version=&#8221;4.5.3&#8243; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/02\/AdobeStock_241856009_extra-dark-scaled.jpg&#8221; max_width=&#8221;100%&#8221; min_height=&#8221;780px&#8221; min_height_tablet=&#8221;600px&#8221; min_height_phone=&#8221;650px&#8221; min_height_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;228px||1px||false|false&#8221; custom_padding_tablet=&#8221;150px||1px||false|false&#8221; custom_padding_phone=&#8221;130px||||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#ffffff&#8221; bottom_divider_style=&#8221;wave2&#8243; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Between financial difficulty and bankruptcy are many options. Our credit counsellors specialize in helping you explore your options and alternatives to discover which one will work best for you.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Make an Appointment&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_border_width=&#8221;2px&#8221; button_border_radius=&#8221;8px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; z_index=&#8221;1&#8243; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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At a time like this, it can be helpful to sit down with a knowledgeable credit counsellor who can talk through all your options and make a plan to resolve your difficulties. Once you can see your way out, you can regain your peace of mind and move forward with confidence.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Contact Us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.2&#8243; background_color=&#8221;#4e128c&#8221; 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font-weight: 700; font-size: 20px;\">Get Some Help \u2013 It&#8217;s Free<\/pee><!-- [et_pb_line_break_holder] -->      <pee style=\"padding-left: 20px; padding-right: 20px; margin-top: -10px;\">Get a free appointment to explore your options and get back on track.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY BELOW *** <\/note><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->      hbspt.forms.create({<!-- [et_pb_line_break_holder] -->        portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->        formId: \"d9fc5ef3-96fb-4e84-ae29-09eb338855d3\"<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY ABOVE *** <\/note><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/form>\n<p><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;27px|0px|27px|0px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;H2 Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;||||||||&#8221; header_font=&#8221;Work Sans|600|||||||&#8221; header_2_font=&#8221;||||||||&#8221; header_2_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Work Sans||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2px|||&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; header_font_size__hover=&#8221;30px&#8221; header_font_size__hover_enabled=&#8221;30px&#8221; header_letter_spacing__hover=&#8221;0px&#8221; header_letter_spacing__hover_enabled=&#8221;0px&#8221; header_text_shadow_style__hover=&#8221;none&#8221; header_text_shadow_style__hover_enabled=&#8221;none&#8221; header_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<h2>Related Topics<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|off&#8221; admin_label=&#8221;Related Article Cards | Desktop&#8221; _builder_version=&#8221;4.27.4&#8243; width=&#8221;70%&#8221; max_width=&#8221;1600px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/blog\/bankruptcy\/when-declaring-bankruptcy-not-right-for-you&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/explaining-to-a-client_related_topics.jpg&#8221; alt=&#8221;explaining to a client&#8221; title_text=&#8221;options-for-bankruptcy&#8221; _builder_version=&#8221;4.16&#8243; border_radii=&#8221;off|8px|8px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Options for Bankruptcy<\/h3>\n<p>Here are 6 times when filing bankruptcy might not be right for you. Know what to expect.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/blog\/bankruptcy\/7-bankruptcy-myths&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/bankruptcy-myths_related_topic.jpg&#8221; alt=&#8221;Debunking Bankruptcy Myths&#8221; title_text=&#8221;bankruptcy-myths&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Bankruptcy Myths<\/h3>\n<p>There are many misconceptions about what bankruptcy is and isn&#8217;t. Here are 7 myths explained.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/bankruptcy\/office-of-superintendent-of-bankruptcy-osb&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/office-of-the-superintendent-of-bankruptcy_related_topics.jpg&#8221; alt=&#8221;Credit counselling couple&#8221; title_text=&#8221;what-is-the-osb&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>What is the OSB?<\/h3>\n<p>The Office of the Superintendent of Bankruptcy regulates insolvency in Canada. Learn more.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.27.4&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->      width: 100%;<!-- [et_pb_line_break_holder] -->      height: 100%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .swiper-slide {<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      font-size: 18px;<!-- [et_pb_line_break_holder] -->      background: #e7dff3;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      \/* Center slide text vertically *\/<!-- [et_pb_line_break_holder] -->      display: -webkit-box;<!-- [et_pb_line_break_holder] -->      display: -ms-flexbox;<!-- [et_pb_line_break_holder] -->      display: -webkit-flex;<!-- [et_pb_line_break_holder] -->      display: flex;<!-- [et_pb_line_break_holder] -->      -webkit-box-pack: center;<!-- [et_pb_line_break_holder] -->      -ms-flex-pack: center;<!-- [et_pb_line_break_holder] -->      -webkit-justify-content: center;<!-- [et_pb_line_break_holder] -->      justify-content: center;<!-- 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href=\"\/blog\/bankruptcy\/when-declaring-bankruptcy-not-right-for-you\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/options-for-bankruptcy_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/blog\/bankruptcy\/7-bankruptcy-myths\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/bankruptcy-myths_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/bankruptcy\/office-of-superintendent-of-bankruptcy-osb\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/what-is-osb_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-spacer\"> <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] 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