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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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[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

30 years ago, Spergel’s doors were first opened to the public in Toronto. Now, decades later, as we celebrate our milestone 30th anniversary…

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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

Certainly, we don’t always enjoy the trials and tribulations life throws at us or thrusts us into, but experiencing those difficulties and persevering through and triumphing over them make us who we are…

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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: Tax Debt

A big tax bill is never welcome when it arrives. Especially if the debt is the unexpected result of a mistake in filing, which can happen. Unfortunately, tax debt gets worse if you can’t pay it back right away…

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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: Statistics

On March 1, 2019, the Office of the Superintendent of Bankruptcy released its most current statistics on personal bankruptcy and consumer proposal filings for Canadian debtors…

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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: Statistics

On April 3, 2019, the Office of the Superintendent of Bankruptcy released its most current statistics on personal bankruptcy and consumer proposal filings for Canadian debtors.

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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: Statistics

On May 13, 2019, the Office of the Superintendent of Bankruptcy released its most current statistics on personal bankruptcy and consumer proposal filings for Canadian debtors…

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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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Bankruptcy is just one form of debt resolution, and it is typically a last resort. Knowing your options can save you not only thousands of dollars but also give you peace of mind about your financial future…

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