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ICIN member companies continually publish articles and add content to help guide individuals and families as they consider their insolvency options. Browse by date or category and click the "read more" button to be taken to the article on the member company's website.

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You’ve approached a bank for a loan to consolidate all of your debt but the bank turned you down and you can’t understand why. Sound familiar?

We hear this frequently when people come to discuss their options to deal with their debt…

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[et_pb_acf_single_item field_name="ICIN Article Posts|date" image_size="thumbnail" link_image="none" format_output="none" _builder_version="3.25.3" text_font_size="12px" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]

This is a regular question we get when we meet with people to review their financial situation. Some people are disappointed with our answer and some people are happy when we can figure out a way…

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[et_pb_acf_single_item field_name="ICIN Article Posts|company_logo" image_size="medium" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="0px||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item][et_pb_acf_single_item field_name="ICIN Article Posts|title" image_size="thumbnail" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
[et_pb_acf_single_item field_name="ICIN Article Posts|date" image_size="thumbnail" link_image="none" format_output="none" _builder_version="3.25.3" text_font_size="12px" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
Topic: Bankruptcy

People in debt don’t use a proposal or go bankrupt because they want to, they use one of these options because they have to. They have no reasonable alternative to assist them in dealing with their debt problems…

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[et_pb_acf_single_item field_name="ICIN Article Posts|company_logo" image_size="medium" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="0px||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item][et_pb_acf_single_item field_name="ICIN Article Posts|title" image_size="thumbnail" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
[et_pb_acf_single_item field_name="ICIN Article Posts|date" image_size="thumbnail" link_image="none" format_output="none" _builder_version="3.25.3" text_font_size="12px" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
Topic: Lifestyle

Summer fun is what the season is all about. Nothing says summer better than a festival weekend outdoors! If you’ve been focused on living debt free, you may have been spending more time thinking about your budget and savings than you have about entertainment…

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[et_pb_acf_single_item field_name="ICIN Article Posts|company_logo" image_size="medium" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="0px||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item][et_pb_acf_single_item field_name="ICIN Article Posts|title" image_size="thumbnail" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
[et_pb_acf_single_item field_name="ICIN Article Posts|date" image_size="thumbnail" link_image="none" format_output="none" _builder_version="3.25.3" text_font_size="12px" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]

There are 4 basic options when you have trouble paying your bills…

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[et_pb_acf_single_item field_name="ICIN Article Posts|company_logo" image_size="medium" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="0px||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item][et_pb_acf_single_item field_name="ICIN Article Posts|title" image_size="thumbnail" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
[et_pb_acf_single_item field_name="ICIN Article Posts|date" image_size="thumbnail" link_image="none" format_output="none" _builder_version="3.25.3" text_font_size="12px" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
Topic: Lifestyle

I’ve got a folder in my office of compliments that I’ve received over the years here at work. Is it okay to admit this? I don’t know. But I figure, if someone has taken the time to write and send me a nice note, it’s worth keeping…

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[et_pb_acf_single_item field_name="ICIN Article Posts|company_logo" image_size="medium" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="0px||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item][et_pb_acf_single_item field_name="ICIN Article Posts|title" image_size="thumbnail" link_image="none" format_output="none" _builder_version="4.0.9" custom_margin="0px||0px|" custom_padding="||0px|" z_index_tablet="500" text_text_shadow_horizontal_length_tablet="0px" text_text_shadow_vertical_length_tablet="0px" text_text_shadow_blur_strength_tablet="1px" headings_text_shadow_horizontal_length_tablet="0px" headings_text_shadow_vertical_length_tablet="0px" headings_text_shadow_blur_strength_tablet="1px" box_shadow_horizontal_tablet="0px" box_shadow_vertical_tablet="0px" box_shadow_blur_tablet="40px" box_shadow_spread_tablet="0px" text_shadow_horizontal_length_tablet="0px" text_shadow_vertical_length_tablet="0px" text_shadow_blur_strength_tablet="1px"][/et_pb_acf_single_item]
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Topic: Lifestyle

A debt-free long weekend sounds pretty easy – just don’t add to your debt with your long weekend spending. Even though it sounds simple, without a few budgeting hacks and savvy money-saving tips, it might not be easy for many people…

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Consumer proposals get accepted in our office “eventually” at a rate of 95% or better…

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Topic: Bankruptcy

Your bankruptcy may have no effect on your spouse. But the answer to this question depends on whether your spouse co-signed debts with you, if you own assets jointly, or if your spouse contributes a large portion of the household income…

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