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La plupart, et m\\u00eame la totalit\\u00e9, de vos dettes peuvent \\u00eatre \\u00e9limin\\u00e9es, mais il y a aussi des cons\\u00e9quences importantes \\u00e0 long terme.\",\"image\":{\"iD\":5191,\"id\":5191,\"title\":\"Bankruptcy\",\"filename\":\"Bankruptcy.png\",\"filesize\":673655,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy.png\",\"link\":\"\\/fr\\/faillite\\/bankruptcy-2-3\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"bankruptcy-2-3\",\"status\":\"inherit\",\"uploadedTo\":5420,\"date\":\"2024-07-17 16:05:22\",\"modified\":\"2025-08-27 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cette page\",\"anchors\":[{\"title\":\"Qu'est-ce que c\\u2019est au juste la faillite ?\",\"anchorId\":\"bankruptcy\"},{\"title\":\"Facteurs \\u00e0 consid\\u00e9rer\",\"anchorId\":\"considerations\"},{\"title\":\"Comment \\u00e7a marche\",\"anchorId\":\"how-it-works\"},{\"title\":\"Ce que vous pourrez garder\",\"anchorId\":\"you-can-save\"},{\"title\":\"Admissibilit\\u00e9\",\"anchorId\":\"Eligibility\"}]},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":5192,\"id\":5192,\"title\":\"Bankruptcy 1\",\"filename\":\"Bankruptcy-1.png\",\"filesize\":222302,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"link\":\"\\/fr\\/consolidation-dettes\\/bankruptcy-1-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"bankruptcy-1-2\",\"status\":\"inherit\",\"uploadedTo\":5632,\"date\":\"2024-07-17 16:15:57\",\"modified\":\"2025-08-27 14:13:59\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-1.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Qu'est-ce que c\\u2019est au juste la faillite ?\",\"badgeNumber\":\"\",\"heading\":\"Songez d\\u2019abord \\u00e0 \\u00e9valuer toutes les options pour g\\u00e9rer votre dette.\",\"text\":\"\u003Cp>La faillite est le dernier recours apr\\u00e8s avoir \\u00e9valu\\u00e9 toutes les autres solutions. Vos dettes sont l\\u00e9galement lib\\u00e9r\\u00e9es, ce qui veut dire que vous ne serez plus oblig\\u00e9 de les rembourser. Le plus grand d\\u00e9savantage est que vous perdez la plupart de vos biens non garantis et que votre capacit\\u00e9 d’emprunter ensuite est consid\\u00e9rablement r\\u00e9duite. Au Canada, la faillite est une proc\\u00e9dure l\\u00e9gale qui ne peut \\u00eatre intent\\u00e9e que par un syndic autoris\\u00e9 en insolvabilit\\u00e9 (SAI).\u003C\\/p>\\n\u003Cp>Il existe une alternative \\u00e0 la faillite : c\\u2019est la proposition de consommateur. Elle peut r\\u00e9duire votre dette jusqu’\\u00e0 80 % sans frais, ni int\\u00e9r\\u00eat.\u003C\\/p>\\n\",\"button\":\"\",\"anchorId\":\"bankruptcy\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"contentImage\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"left\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"},{\"fieldGroupName\":\"SmallCheckmarkList\",\"heading\":\"Genres de dettes que nous aidons \\u00e0 r\\u00e9gler :\",\"text\":\"\",\"list\":[{\"item\":\"Dette de carte de cr\\u00e9dit\"},{\"item\":\"Dette fiscale\"},{\"item\":\"Pr\\u00eats \\u00e9tudiants\"},{\"item\":\"Pr\\u00eats personnels\"},{\"item\":\"Lignes de cr\\u00e9dit\"},{\"item\":\"Pr\\u00eats sur salaire\"}],\"button\":{\"title\":\"R\\u00e9servez votre consultation GRATUITE\",\"url\":\"\\/fr\\/reserver-une-consultation\",\"target\":\"\"},\"backgroundColor\":\"bg-white\",\"padding\":[\"bottom-padding\"],\"mobileColumns\":\"cols-1\",\"desktopColumns\":\"auto\",\"width\":\"12\\/12\"},{\"fieldGroupName\":\"CardWithAccordion\",\"supertitle\":\"Facteurs \\u00e0 consid\\u00e9rer\",\"heading\":\"Est-ce que la faillite en vaut la peine ?\",\"text\":\"\u003Cp>La faillite devrait \\u00eatre le dernier recours, apr\\u00e8s avoir envisag\\u00e9 toutes les autres options. Il est important de consulter un SAI pour d\\u00e9terminer si la faillite est n\\u00e9cessaire. Nous pouvons vous aider \\u00e0 comprendre les points positifs et n\\u00e9gatifs de toutes les options et vous accompagner \\u00e0 chaque \\u00e9tape. Les gens sont souvent surpris d’apprendre que la faillite ne r\\u00e9sout pas tous les probl\\u00e8mes.\u003C\\/p>\\n\",\"items\":[{\"icon\":{\"iD\":4948,\"id\":4948,\"title\":\"icons8-payment-history\",\"filename\":\"icons8-payment-history.svg\",\"filesize\":2925,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-payment-history.svg\",\"link\":\"\\/fr\\/faillite\\/icons8-payment-history-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-payment-history-2\",\"status\":\"inherit\",\"uploadedTo\":5420,\"date\":\"2024-06-24 15:00:00\",\"modified\":\"2025-08-27 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pas toutes vos dettes\"},{\"icon\":{\"iD\":4946,\"id\":4946,\"title\":\"icons8-cash-in-hand\",\"filename\":\"icons8-cash-in-hand.svg\",\"filesize\":2344,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"link\":\"\\/fr\\/faillite\\/icons8-cash-in-hand-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-cash-in-hand-2\",\"status\":\"inherit\",\"uploadedTo\":5420,\"date\":\"2024-06-24 14:59:57\",\"modified\":\"2025-08-27 14:09:36\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-cash-in-hand.svg\"},\"text\":\"Implique la perte de certains de vos biens\"},{\"icon\":{\"iD\":4955,\"id\":4955,\"title\":\"icons8-missed-call\",\"filename\":\"icons8-missed-call.svg\",\"filesize\":1897,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-missed-call.svg\",\"link\":\"\\/fr\\/faillite\\/icons8-missed-call-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-missed-call-2\",\"status\":\"inherit\",\"uploadedTo\":5420,\"date\":\"2024-06-24 15:00:14\",\"modified\":\"2025-08-27 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votre cote de cr\\u00e9dit\"},{\"icon\":{\"iD\":4951,\"id\":4951,\"title\":\"icons8-realtime\",\"filename\":\"icons8-realtime.svg\",\"filesize\":1464,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"link\":\"\\/fr\\/faillite\\/icons8-realtime-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"icons8-realtime-2\",\"status\":\"inherit\",\"uploadedTo\":5420,\"date\":\"2024-06-24 15:00:07\",\"modified\":\"2025-08-27 14:09:36\",\"menuOrder\":0,\"mimeType\":\"image\\/svg+xml\",\"type\":\"image\",\"subtype\":\"svg+xml\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":96,\"height\":96,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"medium-width\":300,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"mediumLarge-width\":768,\"mediumLarge-height\":768,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"large-width\":1024,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"1536x1536-width\":96,\"1536x1536-height\":96,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"2048x2048-width\":96,\"2048x2048-height\":96,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"gform-image-choice-sm-width\":96,\"gform-image-choice-sm-height\":96,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"gform-image-choice-md-width\":96,\"gform-image-choice-md-height\":96,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\",\"gform-image-choice-lg-width\":96,\"gform-image-choice-lg-height\":96},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/icons8-realtime.svg\"},\"text\":\"Il est plus difficile d'emprunter ensuite\"}],\"disclaimer\":\"\",\"accordion\":{\"title\":\"Pourquoi la proposition de consommateur est-elle une bonne alternative ?\",\"content\":\"\u003Cp>Une proposition de consommateur peut \\u00eatre une meilleure approche que la d\\u00e9claration de faillite et elle peut r\\u00e9duire votre dette jusqu’\\u00e0 80 %. Vous \\u00eates assur\\u00e9 de ne devoir payer qu’une partie de votre dette. Le reste est annul\\u00e9 pour toujours.\u003C\\/p>\\n\u003Cul>\\n\u003Cli>Les frais d’int\\u00e9r\\u00eat sont gel\\u00e9s\u003C\\/li>\\n\u003Cli>Les appels de recouvrement et les actions des cr\\u00e9anciers sont halt\\u00e9s\u003C\\/li>\\n\u003Cli>0 % d’int\\u00e9r\\u00eat\u003C\\/li>\\n\u003Cli>Paiements mensuels\u003C\\/li>\\n\u003Cli>Toujours en fonction de vos finances\u003C\\/li>\\n\u003C\\/ul>\\n\"},\"anchorId\":\"considerations\"},{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":5195,\"id\":5195,\"title\":\"Bankruptcy 2\",\"filename\":\"Bankruptcy-2.png\",\"filesize\":259438,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"link\":\"\\/fr\\/consolidation-dettes\\/bankruptcy-2-2-2\\/\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"bankruptcy-2-2-2\",\"status\":\"inherit\",\"uploadedTo\":5632,\"date\":\"2024-07-17 16:16:07\",\"modified\":\"2025-08-27 14:14:00\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1024,\"height\":1074,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-286x300.png\",\"medium-width\":286,\"medium-height\":300,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-768x806.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":806,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2-976x1024.png\",\"large-width\":976,\"large-height\":1024,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"1536x1536-width\":1024,\"1536x1536-height\":1074,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"2048x2048-width\":1024,\"2048x2048-height\":1074,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"gform-image-choice-sm-width\":286,\"gform-image-choice-sm-height\":300,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"gform-image-choice-md-width\":381,\"gform-image-choice-md-height\":400,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\",\"gform-image-choice-lg-width\":572,\"gform-image-choice-lg-height\":600},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/07\\/Bankruptcy-2.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Comment \\u00e7a marche\",\"badgeNumber\":\"\",\"heading\":\"D\\u00e9claration de faillite\",\"text\":\"\",\"button\":\"\",\"anchorId\":\"how-it-works\",\"backgroundColor\":\"bg-white\",\"imageContainer\":\"contained\",\"imageSize\":\"4\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"left\",\"mobile\":\"center\"},\"bodyTextSize\":\"base\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"},{\"fieldGroupName\":\"TextEditor\",\"supertitle\":\"\",\"heading\":\"\",\"textAlignment\":\"center\",\"wysiwygEditor\":\"\u003Col>\\n\u003Cli>R\\u00e9server votre consultation gratuite\u003C\\/li>\\n\u003Cli>Nous discutons avec vous de toutes les solutions avant de d\\u00e9clarer faillite, comme la proposition de consommateur\u003C\\/li>\\n\u003Cli>Nous pr\\u00e9parons le dossier de votre faillite, elle est d\\u00e9pos\\u00e9e aupr\\u00e8s du gouvernement et nous informons vos cr\\u00e9anciers.\u003C\\/li>\\n\u003Cli>Une fois le dossier d\\u00e9pos\\u00e9, les cr\\u00e9anciers doivent cesser de vous contacter pour obtenir le paiement, et vous serez sur l\u003Ca href=\\\"\\/fr\\/syndic-autorise-insolvabilite\\/\\\">a voie d\\u2019une meilleure sant\\u00e9\u003C\\/a> financi\\u00e8re.\u003C\\/li>\\n\u003C\\/ol>\\n\",\"anchorId\":\"\",\"padding\":[],\"width\":\"8\\/12\",\"backgroundColor\":\"bg-white\",\"border\":false},{\"fieldGroupName\":\"Accordion\",\"heading\":\"\",\"type\":\"manual\",\"accordion\":[{\"title\":\"Combien co\\u00fbte le d\\u00e9p\\u00f4t d\\u2019une faillite au Canada?\",\"content\":\"\u003Cp>Au Canada, le co\\u00fbt d\\u2019une faillite personnelle varie d\\u2019une personne \\u00e0 l\\u2019autre. Il est bas\\u00e9 sur votre revenu mensuel, certaines de vos d\\u00e9penses, le nombre de personnes dans votre famille et vos biens.\u003C\\/p>\\n\u003Cp>La meilleure fa\\u00e7on de proc\\u00e9der est de prendre rendez-vous pour votre consultation gratuite avec un SAI afin de discuter des co\\u00fbts et d\\u2019examiner toutes les options d\\u2019all\\u00e8gement de vos dettes. Les frais d\\u2019un SAI en cas de faillite sont r\\u00e9glement\\u00e9s par le gouvernement f\\u00e9d\\u00e9ral et d\\u00e9duits de vos contributions.\u003C\\/p>\\n\"},{\"title\":\"Pourquoi travailler avec un syndic autoris\\u00e9 en insolvabilit\\u00e9 (SAI) comme nous ?\",\"content\":\"\u003Cp>Les SAI sont autoris\\u00e9s par le gouvernement \\u00e0 g\\u00e9rer les solutions d\\u2019endettement et \\u00e0 aider les gens en difficult\\u00e9 financi\\u00e8re \\u00e0 trouver des solutions pour s\\u2019en sortir. Ils sont l\\u00e0 pour vous \\u00e9couter et vous aider \\u00e0 trouver la meilleure solution dans un espace s\\u00e9curitaire et sans jugement. \u003Ca href=\\\"\\/fr\\/syndic-autorise-insolvabilite\\/\\\">Plus d\\u2019info sur les SAI.\u003C\\/a>\u003C\\/p>\\n\"}],\"faqs\":null,\"outro\":\"\",\"button\":\"\",\"anchorId\":\"\",\"padding\":[\"bottom-padding\"],\"margin\":[],\"width\":\"8\\/12\"},{\"fieldGroupName\":\"DebtPaymentCalculator\",\"introduction\":{\"heading\":\"Quand il devient n\\u00e9cessaire de d\\u00e9clarer faillite\",\"headingLevel\":\"h2\",\"text\":\"\u003Cp>La faillite peut \\u00eatre une option lorsque vos dettes sont devenues trop lourdes \\u00e0 g\\u00e9rer et que vous ne gagnez plus la majeure partie, ou m\\u00eame la totalit\\u00e9, de votre revenu familial, pendant une longue p\\u00e9riode. Si c\\u2019est la meilleure solution pour vous, nous vous accompagnerons \\u00e0 chaque \\u00e9tape du processus en vous offrant soutien et conseils.\u003C\\/p>\\n\",\"button\":{\"title\":\"R\\u00e9server votre consultation GRATUITE\",\"url\":\"\\/fr\\/reserver-une-consultation\",\"target\":\"\"}},\"anchorId\":\"you-can-save\",\"backgroundColor\":\"bg-gold-lightest\",\"padding\":[\"top-padding\",\"bottom-padding\"]},{\"fieldGroupName\":\"List\",\"subheading\":\"Admissibilit\\u00e9\",\"heading\":\"\\u00cates-vous admissible ?\",\"text\":\"Si vous avez de la difficult\\u00e9 \\u00e0 rembourser vos dettes, la faillite n'est qu'une seule option parmi d'autres. Nous vous aiderons \\u00e0 choisir la solution la plus adapt\\u00e9e \\u00e0 votre situation et nous vous accompagnerons \\u00e0 chaque \\u00e9tape.\",\"list\":[{\"item\":\"Vous \\u00eates \\u00e2g\\u00e9 d\\u2019au moins 18 ans\"},{\"item\":\"Vous \\u00eates un r\\u00e9sident ou une r\\u00e9sidente du Canada, vous poss\\u00e9dez une propri\\u00e9t\\u00e9 ou vous avez exploit\\u00e9 une entreprise au cours de la derni\\u00e8re ann\\u00e9e\"},{\"item\":\"Vos dettes d\\u00e9passent la valeur totale de vos biens ou vous ne pouvez rembourser vos dettes.\"}],\"button\":{\"title\":\"R\\u00e9server votre consultation GRATUITE\",\"url\":\"\\/fr\\/reserver-une-consultation\",\"target\":\"\"},\"anchorId\":\"Eligibility\",\"layout\":\"flex-col\",\"listStyle\":\"bullet-point\",\"padding\":[\"top-padding\",\"bottom-padding\"]},{\"fieldGroupName\":\"TrustpilotReviewSlider\",\"anchorId\":\"\"},{\"fieldGroupName\":\"GlobalBlock\",\"globalBlock\":5391,\"anchorId\":\"\",\"flexBlocks\":[{\"fieldGroupName\":\"ImageTextBanner\",\"image\":{\"iD\":4974,\"id\":4974,\"title\":\"Why Farber CTA\",\"filename\":\"Why-Farber-CTA.png\",\"filesize\":508462,\"url\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\",\"link\":\"\\/fr\\/?attachment_id=4974\",\"alt\":\"\",\"author\":\"6\",\"description\":\"\",\"caption\":\"\",\"name\":\"why-farber-cta-2\",\"status\":\"inherit\",\"uploadedTo\":324,\"date\":\"2024-06-27 14:57:33\",\"modified\":\"2024-06-27 14:57:33\",\"menuOrder\":0,\"mimeType\":\"image\\/png\",\"type\":\"image\",\"subtype\":\"png\",\"icon\":\"\\/wp-includes\\/images\\/media\\/default.png\",\"width\":1920,\"height\":1140,\"sizes\":{\"thumbnail\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA-150x150.png\",\"thumbnail-width\":150,\"thumbnail-height\":150,\"medium\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA-300x178.png\",\"medium-width\":300,\"medium-height\":178,\"mediumLarge\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA-768x456.png\",\"mediumLarge-width\":768,\"mediumLarge-height\":456,\"large\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA-1024x608.png\",\"large-width\":1024,\"large-height\":608,\"1536x1536\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA-1536x912.png\",\"1536x1536-width\":1536,\"1536x1536-height\":912,\"2048x2048\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\",\"2048x2048-width\":1920,\"2048x2048-height\":1140,\"gform-image-choice-sm\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\",\"gform-image-choice-sm-width\":300,\"gform-image-choice-sm-height\":178,\"gform-image-choice-md\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\",\"gform-image-choice-md-width\":400,\"gform-image-choice-md-height\":238,\"gform-image-choice-lg\":\"https:\\/\\/www.farber.ca\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\",\"gform-image-choice-lg-width\":600,\"gform-image-choice-lg-height\":356},\"relativeUrl\":\"\\/wp-content\\/uploads\\/2024\\/06\\/Why-Farber-CTA.png\"},\"supertitleStyling\":\"regular\",\"supertitle\":\"Pourquoi choisir Farber ?\",\"badgeNumber\":\"\",\"heading\":\"Nous croyons que tout le monde peut prosp\\u00e9rer\",\"text\":\"\u003Cp>L’endettement auquel vous faites face aujourd’hui n\\u2019est pas pour toujours. Forts de nos plus de 45 ans d’exp\\u00e9rience en mati\\u00e8re d’all\\u00e9gement de la dette au Canada, nous avons aid\\u00e9 plus de 200 000 gens comme vous \\u00e0 retourner \\u00e0 leur vie avant les dettes et \\u00e0 mieux g\\u00e9rer leur argent.\u003C\\/p>\\n\",\"button\":{\"title\":\"Ce qui nous rend diff\\u00e9rent\",\"url\":\"\\/fr\\/ce-qui-nous-rend-differents\",\"target\":\"\"},\"anchorId\":\"\",\"backgroundColor\":\"bg-teal-dark\",\"imageContainer\":\"full-bleed\",\"imageSize\":\"5\\/12\",\"layout\":{\"desktop\":\"imageContent\",\"mobile\":\"imageContent\"},\"textAlignment\":{\"desktop\":\"center\",\"mobile\":\"center\"},\"bodyTextSize\":\"large\",\"showArrowBelow\":false,\"spacing\":[],\"buttonStyling\":\"light\"}]},{\"fieldGroupName\":\"FormEmbed\",\"anchorId\":\"\",\"layout\":\"1-col\",\"form\":{\"ID\":5347,\"post_author\":\"6\",\"post_date\":\"2024-06-05 14:23:04\",\"post_date_gmt\":\"2024-06-05 18:23:04\",\"post_content\":\"\u003Ch2>Votre consultation gratuite et confidentielle vous attend\u003C\\/h2>\\r\\nRemplir les champs obligatoires (*)\\r\\n\\r\\n[gravityform id=\\\"14\\\" title=\\\"false\\\" ajax=\\\"true\\\"]\",\"post_title\":\"Book a Consultation FR\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"book-a-consultation\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:41:18\",\"post_modified_gmt\":\"2025-12-01 17:41:18\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/form-embeds\\/book-a-consultation\\/\",\"menu_order\":0,\"post_type\":\"form_embed\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},\"heading\":\"\",\"content\":\"\",\"hideContentOnMobile\":false,\"backgroundColor\":\"bg-teal-lightest\"},{\"fieldGroupName\":\"ArticleCards\",\"heading\":\"La v\\u00e9rit\\u00e9 au sujet de la dette\",\"cards\":[{\"ID\":2449,\"post_author\":\"6\",\"post_date\":\"2021-04-01 12:59:00\",\"post_date_gmt\":\"2021-04-01 16:59:00\",\"post_content\":\"Let\\u2019s face it\\u2014nobody wants to talk about \u003Ca href=\\\"\\/bankruptcy\\\">bankruptcy\u003C\\/a>. It is a heavy word that often brings up feelings of fear, uncertainty, and, let\\u2019s be honest, a bit of confusion.\\r\\n\\r\\nBut here is the thing: understanding bankruptcy does not have to be overwhelming. In fact, it is just one tool in the financial toolkit for people who find themselves in deep debt and need a fresh start.\\r\\n\\r\\nWhether you are at the end of your financial rope or simply exploring options, this guide will walk you through everything you need to know about bankruptcy in Canada. From understanding the basics to exploring alternatives like \u003Ca href=\\\"\\/consumer-proposal\\\">consumer proposals\u003C\\/a>, we will break it down so you can make the best choice for your financial future.\\r\\n\u003Ch2>Bankruptcy 101: What It Actually Means\u003C\\/h2>\\r\\nFirst things first: what exactly is bankruptcy? In Canada, bankruptcy is a legal way to get some relief when you are drowning in debt and cannot keep up with payments. It is all governed by something called the \u003Ca href=\\\"https:\\/\\/laws-lois.justice.gc.ca\\/eng\\/acts\\/B-3\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Bankruptcy and Insolvency Act (BIA)\u003C\\/a>, which lays out the rules for how bankruptcy should be handled.\\r\\n\\r\\nThink of the BIA as the guidebook for making sure things are done fairly \\u2013 it helps you get a fresh start while ensuring creditors (the people you owe money to) still get what is owed to them as best as possible.\\r\\n\\r\\nWhen you file for bankruptcy, you are basically saying, \\\"I cannot pay my debts.\\\" But do not worry \\u2013 it is not the end of the world!\\r\\n\\r\\nYou will be paired with a professional called a \u003Ca href=\\\"\\/why-a-licensed-insolvency-trustee\\\">Licensed Insolvency Trustee (LIT)\u003C\\/a>. This person is like your bankruptcy tour guide, walking you through the entire process. The LIT will help sell off any non-essential assets and use the proceeds to repay creditors. The best part? Once it is all done, most of your remaining debts are discharged.\\r\\n\\r\\nBut here is the kicker: not all debts go away with bankruptcy. Things like certain taxes, student loans (in some cases), and any spousal or child support payments are still on the table.\\r\\n\u003Ch2>What Kind of Bankruptcy Are We Talking About?\u003C\\/h2>\\r\\nNot all bankruptcies are created equal. Depending on your situation, there are different types of bankruptcy and insolvency proceedings in Canada. Understanding these options is key to knowing what might work for you.\\r\\n\\r\\n\u003Cstrong>Personal Bankruptcy\u003C\\/strong>\\r\\n\\r\\nThis is the most common kind and is used by individuals who just cannot keep up with their personal debts such as credit cards and personal loans. In this case, non-exempt assets are sold off, and after about nine months \\u2013 assuming you stick to the terms \\u2013 you will likely be discharged from most debts. Consider it your financial reboot.\\r\\n\\r\\n\u003Cstrong>Business Bankruptcy\u003C\\/strong>\\r\\n\\r\\nBusinesses can also file for bankruptcy if they are financially underwater. Depending on whether the business has a chance of bouncing back or is on its last legs, the process might involve liquidating assets to repay creditors or restructuring through insolvency.\\r\\n\\r\\n\u003Cstrong>Consumer Proposal\u003C\\/strong>\\r\\n\\r\\nNot ready for bankruptcy just yet? Enter the \u003Ca href=\\\"\\/blog\\/what-is-a-consumer-proposal\\\">consumer proposal\u003C\\/a>. If you have unsecured debts under $250,000, you might be able to offer creditors a deal through a legally--binding debt settlement agreement: you repay part of what you owe over a span of up to five years, and they agree to forgive the rest. It is like hitting the pause button on your debts without going all the way into bankruptcy.\\r\\n\\r\\n\u003Cstrong>Division I Proposal\u003C\\/strong>\\r\\n\\r\\nThink of this as the \\u201cbig leagues\\u201d version of a consumer proposal, designed for businesses or individuals with debts over $250,000. It lets you reorganize those debts into something more manageable without diving into full bankruptcy.\\r\\n\u003Ch3>The Liquidation Process\u003C\\/h3>\\r\\nIf you go the bankruptcy route, liquidation is part of the deal. But do not worry, it is not as scary as it sounds. Liquidation is just a fancy way of saying that your non-exempt assets are sold to help repay creditors.\\r\\n\\r\\nEach province in Canada has different rules about what assets you can hang onto, but generally, everyday necessities like clothing, essential household items, and a modest car are safe. The vacation homes, boats, and extra cars? Those will probably have to go.\\r\\n\\r\\nThe liquidation process involves your Licensed Insolvency Trustee assessing what you owe and selling off your non-exempt assets. Creditors get their slice of the pie from those proceeds and once that is all done, your remaining debts are typically discharged. This could give you that fresh financial start you have been dreaming of. But to qualify for bankruptcy, you need to owe more than $1,000 and be unable to meet your debt payments as they come due.\\r\\n\u003Ch2>The Bankruptcy Filing Process: Step-by-Step Breakdown\u003C\\/h2>\\r\\nSo, how does filing bankruptcy actually work? Let\\u2019s walk through the main steps so you are not in the dark if this becomes something you are considering.\\r\\n\\r\\n\u003Cstrong>1. Consult a Farber team member\u003C\\/strong>\\r\\n\\r\\nYour first stop is a chat with a Debt Solutions Manager. They will look at your financial situation and help you decide whether bankruptcy is the best option or if something else\\u2014like a consumer proposal\\u2014might work better.\\r\\n\\r\\n\u003Cstrong>2. File the Paperwork\u003C\\/strong>\\r\\n\\r\\nIf bankruptcy is the way to go, a Licensed Insolvency Trustee will handle the paperwork. You will need to provide details about your debts, assets, and income, and they will file everything with the Office of the Superintendent of Bankruptcy (OSB).\\r\\n\\r\\n\u003Cstrong>3. Automatic Stay of Proceedings\u003C\\/strong>\\r\\n\\r\\nThis sounds super official, but it is a good thing. The minute you file for bankruptcy, something called an \\\"automatic stay\\\" kicks in, which means creditors have to stop reaching out to you to pay your debts.\\r\\n\\r\\n\u003Cstrong>4. Credit Counselling Sessions\u003C\\/strong>\\r\\n\\r\\nAs part of the bankruptcy process, you will need to attend two mandatory credit counselling sessions. These are designed to help you build better money habits and avoid ending up in the same situation again.\\r\\n\\r\\n\u003Cstrong>5. Discharge from Bankruptcy\u003C\\/strong>\\r\\n\\r\\nIf you follow the rules and attend the counselling sessions, you will be discharged from your bankruptcy, and most of your debts will be wiped away.\\r\\n\u003Ch3>Working with a Bankruptcy Attorney\u003C\\/h3>\\r\\nWhile \u003Ca href=\\\"\\/our-team\\\">working with a Licensed Insolvency Trustee\u003C\\/a> is a requirement for filing bankruptcy in Canada, consulting with a bankruptcy attorney can also be a good idea, especially if your financial situation is complex. A bankruptcy attorney can provide additional legal guidance, help protect your assets, and ensure that your rights are upheld throughout the process.\\r\\n\\r\\nThe attorney can also advise you on the best strategy, whether that involves bankruptcy, a consumer proposal, or another form of debt relief.\\r\\n\\r\\nHaving an expert\\u2014even more than one\\u2014in your corner can make the process smoother and help you avoid costly mistakes.\\r\\n\u003Ch2>The Impact of Bankruptcy on Your Financial Future\u003C\\/h2>\\r\\nFiling for bankruptcy has both short-term and long-term consequences on your financial life. In the short term, it may provide immediate relief from creditors and stop wage garnishments or lawsuits. However, the long-term effects can be more significant, particularly when it comes to your credit rating and borrowing ability.\\r\\n\u003Cul>\\r\\n \\t\u003Cli>\u003Cstrong>Credit Rating:\u003C\\/strong> Bankruptcy will \u003Ca href=\\\"\\/blog\\/how-to-rebuild-a-bad-credit-score\\\">significantly impact your credit\u003C\\/a>, and the bankruptcy will remain on your credit report for six to seven years, depending on the type of bankruptcy and your province.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Borrowing Ability:\u003C\\/strong> It may be difficult to obtain credit immediately after bankruptcy. When you do qualify for credit, you may face higher interest rates and stricter borrowing terms.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Eliminate Your Debts:\u003C\\/strong> On the positive side, bankruptcy can eliminate most of your debt, providing you with a clean slate to rebuild your finances and start fresh.\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\n\u003Ch3>Rebuilding Credit After Bankruptcy: How to Bounce Back\u003C\\/h3>\\r\\nOkay, so you have gone through the bankruptcy process. Now what? It is time to rebuild that credit. Yes, filing for bankruptcy will negatively impact your credit, but you can absolutely recover with time and effort. Here is how to get started:\\r\\n\u003Cul>\\r\\n \\t\u003Cli>\u003Cstrong>Make a Budget and Stick to It:\u003C\\/strong> It is time to get cozy with a budget. Track your expenses, cut out unnecessary costs, and make sure you are living within your means.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Open a Secured Credit Card:\u003C\\/strong> A secured credit card is a great tool for rebuilding credit. You put down a deposit, and that amount becomes your credit limit. Pay it off on time, every time, and you will start seeing improvements in your credit score.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Pay Everything on Time:\u003C\\/strong> This goes for all bills \\u2013 not just credit cards. Whether it is your rent, utilities, or phone bill, paying on time will slowly but surely boost your credit score.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Monitor Your Credit Report:\u003C\\/strong> Keep an eye on your credit report for errors and check your progress as you rebuild your financial profile.\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\n\u003Ch3>Bankruptcy Alternatives\u003C\\/h3>\\r\\nBankruptcy is not the only game in town. Before you make any decisions, you should speak with a Licensed Insolvency Trustee to discuss \u003Ca href=\\\"\\/debt-relief\\\">other debt-relief options to consider\u003C\\/a>.\\r\\n\\r\\n\u003Cstrong>Consumer Proposal\u003C\\/strong>\\r\\n\\r\\nAs mentioned earlier, a consumer proposal lets you offer creditors a portion of what you owe in exchange for avoiding bankruptcy. It is a popular choice for those who want to keep their assets and regain control of their financial future. Learning the \u003Ca href=\\\"\\/blog\\/bankruptcy-vs-consumer-proposal\\\">differences between consumer proposals and bankruptcy\u003C\\/a> will help you make an informed choice.\\r\\n\\r\\n\u003Cstrong>Debt Consolidation\u003C\\/strong>\\r\\n\\r\\n\u003Ca href=\\\"\\/debt-consolidation\\\">Debt consolidation\u003C\\/a> involves rolling all your debts into one loan with a lower interest rate. You will make one payment instead of juggling several, which can make life a lot easier. However, as convenient as these loans sound, they are not for everyone and can be hard to qualify for if your credit has already been damaged. They also usually involve higher interest rates and can lead to greater financial strain in the long run.\\r\\n\\r\\n\u003Cstrong>Debt Settlement\u003C\\/strong>\\r\\n\\r\\nThis can sometimes be another way of saying debt consolidation or debt negotiation. With debt settlement, you negotiate with creditors to pay off a portion of your debt rather than the whole amount. It is a bit like bargaining at a garage sale but for your finances.\\r\\n\\r\\nIt is important to note that debt settlement firms, as capable as they may be, are not licensed by the federal government to file proposals and bankruptcies as Trustees can. This means that they may not be able to get rid of all your debt problems.\\r\\n\u003Ch2>The Big Takeaway\u003C\\/h2>\\r\\nAt Farber, we have been helping Canadians take control of their financial future for decades. Whether you are considering bankruptcy, exploring alternatives like a consumer proposal, or just looking for professional advice on how to get back on track, we are here to guide you every step of the way.\\r\\n\\r\\nOur team of Licensed Insolvency Trustees is experienced, compassionate, and ready to help you find the best path forward. We will take the time to understand your unique situation, explain all your options in simple, easy-to-understand language, and help you make the most informed decision for your financial well-being.\\r\\n\\r\\nWe offer free consultations, so you can ask questions, discuss your concerns, and get expert advice with zero pressure. Whether it is through bankruptcy or a consumer proposal, we will work with you to create a solution that makes sense for your life.\\r\\n\\r\\nReady to take the first step? \u003Ca href=\\\"\\/book-a-consultation\\\">Book a free consultation\u003C\\/a> and start your journey towards building a better relationship with money. You deserve peace of mind, and we are here to help you find it!\\r\\n\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- \\/wp:paragraph -->\",\"post_title\":\"Understand How Bankruptcy Works and If It Is For You\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"what-is-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-30 06:20:14\",\"post_modified_gmt\":\"2025-12-30 11:20:14\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/blog\\/bankruptcy\\/\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2492,\"post_author\":\"6\",\"post_date\":\"2016-08-03 16:01:00\",\"post_date_gmt\":\"2016-08-03 20:01:00\",\"post_content\":\"Dealing with debt can feel overwhelming, but the good news is that there are options available in Canada to help you find relief. Two of the most popular solutions are consumer proposals and bankruptcy.\\r\\n\\r\\nWhile both can help you get back on track, understanding the differences between a consumer proposal vs. bankruptcy can help you decide which option suits you best. Let us break down both so you can decide which one might be a better option for you!\\r\\n\u003Ch2 aria-level=\\\"2\\\">What is a Consumer Proposal?\u003C\\/h2>\\r\\nYou may not have heard of a consumer proposal before. Think of a \u003Ca href=\\\"\\/consumer-proposal\\\">consumer proposal\u003C\\/a> as a way to hit \\u201cpause\\u201d on your debt and negotiate a deal that works for both you and your creditors. Often up to 80% of your debt is forgiven!\\r\\n\\r\\nA consumer proposal is a formal and legally-binding debt settlement agreement where you pay back a portion of what you owe over a set period. The monthly payments are based on what you can afford to ensure you make your payments.\\r\\n\\r\\nOther perks? It can stop those dreaded collection calls and creditor actions.\\r\\n\\r\\nA consumer proposal can only be managed by \u003Ca href=\\\"\\/why-a-licensed-insolvency-trustee\\\">Licensed Insolvency Trustees (LITs)\u003C\\/a>. They handle all negotiations with your creditors to help take the pressure off your shoulders.\\r\\n\u003Ch3 aria-level=\\\"3\\\">How Does a Consumer Proposal Work with Your Creditors?\u003C\\/h3>\\r\\nIt starts by sitting down with a LIT, who looks at your financial situation and helps you propose a deal to your unsecured creditors. Usually, this involves paying back a percentage of the total debt over a few years. The creditors vote on the plan, and if the majority agree, you are good to go!\\r\\n\u003Ch3 aria-level=\\\"3\\\">Who Can Qualify for a Consumer Proposal?\u003C\\/h3>\\r\\nThis option is for people who are making an income but find it tough to pay their full debt. To be eligible for a consumer proposal with Farber, you must be at least 18 years old, a Canadian resident or own property in Canada, your total unsecured debts are less than $250,000 and have enough income to make regular payments.\\r\\n\\r\\nWe recommend you speak with our team to talk about qualifications when considering if a consumer proposal, or any other debt-relief solution, is right for you.\\r\\n\u003Ch3 aria-level=\\\"3\\\">What Are the Key Benefits of a Consumer Proposal?\u003C\\/h3>\\r\\n\u003Cul>\\r\\n \\t\u003Cli>\u003Cstrong>Keep your assets:\u003C\\/strong> You do not have to worry about losing your house or car, unlike in some other debt-relief options.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Stop collection calls and creditor actions:\u003C\\/strong> You will no longer have to feel a sense of panic whenever the phone rings again. Once a consumer proposal is accepted, your unsecured creditors will have to stop hassling you.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Predictable payments:\u003C\\/strong> \u003Ca href=\\\"\\/blog\\/pros-and-cons-of-filing-a-consumer-proposal\\\">Expect no surprises with a consumer proposal \u003C\\/a>and based on what you can afford, so you can budget more easily.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>0% interest:\u003C\\/strong> Your interest charges are frozen on most debt, and you can expect 0% interest on your remaining debt.\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\n\u003Ch2 aria-level=\\\"2\\\">What is Bankruptcy?\u003C\\/h2>\\r\\nNow let\\u2019s look at the other option that you have probably heard more about \\u2014bankruptcy\\r\\n\\r\\n\u003Ca href=\\\"\\/bankruptcy\\\">Bankruptcy\u003C\\/a>, on the other hand, is a way to get rid of most of your debt if paying it back just is not possible. It is more of a last-resort option when you need a clean slate, but it comes with certain trade-offs, like giving up some of your assets.\\r\\n\\r\\nMany people think bankruptcy may be their only option, but it is not! We recommend exploring all your options and getting professional advice before moving forward with bankruptcy.\\r\\n\u003Ch3 aria-level=\\\"3\\\">How Does Filing for Bankruptcy Work?\u003C\\/h3>\\r\\nWhen you file for bankruptcy, a Licensed Insolvency Trustee takes over and manages your case. Your debts are legally discharged, which means you are no longer required to pay them back.\\r\\n\\r\\nThey will handle things like selling off some of your assets (do not worry \\u2014 \u003Ca href=\\\"\\/blog\\/exempt-assets-in-bankruptcy\\\">there are exemptions for things like basic household items\u003C\\/a>). Once the process is complete, most of your unsecured debts are wiped out, giving you a fresh start.\\r\\n\u003Ch3 aria-level=\\\"3\\\">What Are the Eligibility Criteria for Bankruptcy?\u003C\\/h3>\\r\\nYou can file for bankruptcy with Farber if you are at least 18 years old, a Canadian resident or own property\\/have carried on a business within the last year, and your debts exceed the total value of your assets, or you are unable to repay your debts as they come due.\\r\\n\\r\\nAs with the consumer proposal, we recommend you speak with our team to talk about qualifications when considering if bankruptcy is right for you.\\r\\n\u003Ch3 aria-level=\\\"3\\\">What Happens When You Declare Bankruptcy?\u003C\\/h3>\\r\\n\u003Cul>\\r\\n \\t\u003Cli>\u003Cstrong>You might lose assets\u003C\\/strong>: Some of your belongings may need to be sold to repay creditors, but many essential items are protected and most of your debts are wiped out.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Credit impact:\u003C\\/strong> Bankruptcy stays on your record for six to seven years, or up to 14 years if it is your second bankruptcy.\u003C\\/li>\\r\\n \\t\u003Cli>\u003Cstrong>Makes it harder to borrow again:\u003C\\/strong> If you are looking to borrow money in the future, like for a mortgage or to obtain a new credit card, it might be difficult with bankruptcy on your record.\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\nSpeaking with a LIT can help you understand the pros and cons of bankruptcy and how it can affect you.\\r\\n\u003Ch2 aria-level=\\\"2\\\">Consumer Proposal vs. Bankruptcy: What is the Difference?\u003C\\/h2>\\r\\n\u003Ch3 aria-level=\\\"3\\\">How Each Option Affects Your Ability to Keep Assets\u003C\\/h3>\\r\\nIf keeping your house or car is important to you, a consumer proposal is probably the better choice. With bankruptcy, you might have to forfeit non-essential assets.\\r\\n\u003Ch3 aria-level=\\\"3\\\">How Debt Repayment Differs Between These Two Options\u003C\\/h3>\\r\\nWith a consumer proposal, you agree to repay part of your debt through a structured plan, but at a reduced amount. Bankruptcy, however, wipes out most unsecured debts entirely, giving you a fresh start.\\r\\n\u003Ch3 aria-level=\\\"3\\\">What Happens to Your Credit in Each Situation\u003C\\/h3>\\r\\nWhen it comes to a consumer proposal vs. bankruptcy, the former is a bit kinder to your credit score and only stays on your report for three years after you complete the repayment. Bankruptcy, on the other hand, \u003Ca href=\\\"https:\\/\\/www.rbcroyalbank.com\\/en-ca\\/my-money-matters\\/debt-and-stress-relief\\/bankruptcy\\/personal-bankruptcy\\/what-happens-to-your-credit-score-if-you-declare-bankruptcy\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">sticks around longer\u003C\\/a> \\u2014 typically six to seven years.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Comparing the Costs of Filing a Consumer Proposal or Bankruptcy\u003C\\/h3>\\r\\nBoth options come with fees, mostly for your Licensed Insolvency Trustee. In a consumer proposal, those fees are usually rolled into your monthly payments.\\r\\n\\r\\nBankruptcy can have additional costs, such as legal fees. The cost in Canada varies person-by-person. It is based on your monthly income, certain expenses, the size of your family unit and your assets.\\r\\n\\r\\nFees to a LIT for both consumer proposal and bankruptcy are federally regulated and deducted from the funds you contribute. It is best to book a free consultation with a LIT to go over the costs involved with either option.\\r\\n\u003Ch2 aria-level=\\\"2\\\">How Do You Decide Which One Is Right for You?\u003C\\/h2>\\r\\n\u003Ch3 aria-level=\\\"3\\\">Consider Your Financial Situation First\u003C\\/h3>\\r\\nIf you have valuable assets that you want to keep, a consumer proposal may be a better fit. Bankruptcy might be more suitable if you are struggling to make any payments at all. You will have to weigh out the pros and cons of each one depending on your financial situation. This also includes looking at the amount of debt you have and your ability to repay your debt or make regular payments.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Think About Your Long-Term Financial Goals\u003C\\/h3>\\r\\nDo you want to get your credit back on track faster? A consumer proposal may help you do that since it has a shorter-lasting impact on your credit report. Bankruptcy gives you a fresh start, but it takes \u003Ca href=\\\"https:\\/\\/borrowell.com\\/blog\\/how-to-rebuild-your-credit-in-canada\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">longer to rebuild your credit\u003C\\/a>.\\r\\n\u003Ch3 aria-level=\\\"3\\\">Do Not Overlook the Emotional and Psychological Factors\u003C\\/h3>\\r\\nNavigating debt relief can bring up a lot of emotions, and it is important to prioritize your well-being along the way. While the thought of bankruptcy might feel overwhelming, especially with the possibility of losing assets, remember that you are taking a positive step toward regaining control of your finances.\\r\\n\\r\\nA consumer proposal can be a gentler option, allowing you to resolve your debts while maintaining more stability. No matter which path you choose, know that you are making a proactive choice to improve your financial future \\u2014 and that is something to be proud of!\\r\\n\u003Ch3 aria-level=\\\"3\\\">Always Seek Professional Advice from a Licensed Insolvency Trustee\u003C\\/h3>\\r\\nMaking this decision is not something you must do alone. In fact, you should not have to do it alone at all. We always recommend that you consult and seek advice from an insolvency professional.\\r\\n\\r\\nSpeaking with a Licensed Insolvency Trustee can help you evaluate all your options and choose the best path based on your unique financial situation. They will work with you to find a debt-relief solution that will reduce your debt stress and help you rebuild your financial future and relationship with money.\\r\\n\u003Ch2 aria-level=\\\"2\\\">Learn How Farber Can Help You Find the Right Debt Solution\u003C\\/h2>\\r\\nAt Farber Debt Solutions, we understand how overwhelming it can feel when debt takes control. If you need further help choosing between a consumer proposal vs. bankruptcy, our team of Licensed Insolvency Trustees is here to help guide you.\\r\\n\\r\\nWe will work with you to find the best option for your situation, so you can start building a brighter financial future. \u003Ca href=\\\"\\/book-a-consultation\\\">Book your free no-obligation consultation today\u003C\\/a> and take the first step toward gaining control of your finances!\",\"post_title\":\"Consumer Proposal or Bankruptcy: Which Option Is For You?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"bankruptcy-vs-consumer-proposal\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-30 06:32:30\",\"post_modified_gmt\":\"2025-12-30 11:32:30\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/blog\\/bankruptcy-versus-a-consumer-proposal\\/\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2508,\"post_author\":\"6\",\"post_date\":\"2013-11-21 00:46:00\",\"post_date_gmt\":\"2013-11-21 05:46:00\",\"post_content\":\"\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Do You Know The Score?\\u00a0...and I am not talking about the hockey score, I\\u2019m talking about your credit score!\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>Many people have told me that they have a 4 star credit rating or Triple A credit. However, when I asked them what their credit score was, most of them didn\\u2019t know what a credit score was, or had any idea where to get it.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-the-difference-between-credit-score-and-credit-report\\\">The difference between Credit Score and Credit Report\u003C\\/h3>\\r\\n\u003C!-- \\/wp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Some people have never looked at their credit score or credit report or even know what the difference is between them. You need to contact both Equifax and TransUnion. As they are not affiliated with each other, and don\\u2019t share information, your credit reports may be slightly different.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>A \u003Cstrong>Credit Report\u003C\\/strong> will show you a 3 year period of payments to each of your creditors, and how many times you either paid on time or were 1, 2, 3 or more months late with your payments. You can obtain one free copy a year of your credit report just by simply mailing in a request form which you can get from the \\u00a0\u003Ca title=\\\"Request to obtain a free credit report from Equifax\\\" href=\\\"https:\\/\\/www.econsumer.equifax.ca\\/canadaotc\\/order.ehtml?prod_cd=CAECS&locale_code=en_ca\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Equifax website\u003C\\/a>.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>A \u003Cstrong>Credit Score\u003C\\/strong> is a point system assessing what type of credit risk you are. You can obtain a copy of your credit score, by going to the credit bureaus websites. There are several factors that are considered in calculating your credit score. Knowing what some of those factors are will help you build your credit rating much faster. Did you know that your credit score has a direct impact on not just if you are approved for credit but also what interest rate you are offered?\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-why-you-should-check-your-credit-report-every-year\\\">Why you should\\u00a0\u003Ca href=\\\"\\/blog\\/getting-your-credit-history-back-on-track\\/\\\">check your credit report\u003C\\/a> every year\u003C\\/h3>\\r\\n\u003C!-- \\/wp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Everyone should review their credit report and score at least once a year, to ensure their information is accurate. If you think the information on your credit report should be fine, think again. I know of many cases where the information was not correct, for a number of reasons. Two examples come to mind that demonstrate how important it is to know what is going on in your credit profile:\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>\u003Cstrong>First example\u003C\\/strong>:\\u00a0A woman had her purse stolen. She reported the stolen credit cards to the credit card company, who cancelled the credit cards and issued her new ones. Several months later, she looked at her credit profile and saw that she had two of each card listed as active on her credit report. That might not sound bad to some people, but did you know if you have more than 4 active credit cards, you lose points? Furthermore, it raised her debt to income ratio \\u2013 anytime you have more than 20% of your annual income in available credit \\u2013 whether it is used or not - you lose points.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\u003Cp> \u003C\\/p>\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>Second example:\\u00a0A gentleman trying to buy a home for the 1st time goes to a mortgage broker to get pre-approved. When the mortgage broker asked him \\u201cHave you been bankrupt \\u2013 twice?\\u201d, the gentleman replied: \\\"No, just once.\\\" He told me getting that fixed took a lot longer than he thought it would. He also realized that it was probably the reason why he had a hard time getting a credit card.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:heading {\\\"level\\\":3} -->\\r\\n\u003Ch3 id=\\\"h-how-to-rebuild-your-credit-after-a-consumer-proposal-or-a-bankruptcy\\\">How to rebuild your credit after a Consumer Proposal or a Bankruptcy\u003C\\/h3>\\r\\n\u003C!-- \\/wp:heading -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If \u003Ca href=\\\"\\/blog\\/bankruptcy\\/\\\" rel=\\\"noreferrer noopener\\\">rebuilding your credit after a Bankruptcy or Consumer Proposal\u003C\\/a> is worrying you and preventing you from seeking relief from your debt problems, don\\u2019t let this stop you. We\\u2019re here to help! Our R-Plan will not only explain the important factors that go into rebuilding your credit score in a very short time span, but also how to use credit effectively without impacting your budget.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph {\\\"align\\\":\\\"left\\\"} -->\\r\\n\u003Cp>Would you like to learn how to rebuild your credit score and get out of debt? Schedule a free, no-obligation consultation with one of our debt reflief professionals, and learn about the \u003Ca href=\\\"\\/contact-us\\/\\\">quickest ways YOU can get of debt and rebuild your credit score\u003C\\/a>!\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\",\"post_title\":\"Steps to Rebuild Your Credit After Filing For Bankruptcy\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"rebuild-credit-after-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:41:02\",\"post_modified_gmt\":\"2025-01-10 12:41:02\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/blog\\/rebuild-credit-after-bankruptcy-2\\/\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":2496,\"post_author\":\"6\",\"post_date\":\"2015-09-09 22:49:14\",\"post_date_gmt\":\"2015-09-10 02:49:14\",\"post_content\":\"\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Death and taxes are, some pundits have been known to say, the two certainties in life. And the death of a loved one is especially traumatic. The loss of a family member is hard enough but when that person passes away with sizable debt the trauma can become exceedingly difficult to deal with.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>Luckily, the BIA (the Bankruptcy and Insolvency Act) has taken this difficult scenario into account and there are procedures in place to help grieving relatives when a debtor passes on. I remember a recent situation where a family called us looking for help and assistance after a parent had passed away. They did not know what to do. Many creditors (the companies the deceased owed money to) were trying to collect the money that was owed to them from the estate, which did not have enough assets to pay the debts in full. The creditors were making demands and putting pressure on the executor (the person entrusted by the deceased to oversee the paperwork surrounding that person\\u2019s property) of the estate.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>We explained to the executor that he must first go to the bankruptcy court to get an order for the estate to be assigned into bankruptcy. This procedure is like when a living person files for bankruptcy protection. Once the bankruptcy petition was accepted by the court, we would be able to help guide them through this process.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>The executor of the estate realized that there were not enough assets in the deceased\\u2019s estate to pay each creditor fairly, and that the best option would be to assign the estate into bankruptcy so the creditors would each get their fair share of the assets. Any leftover assets (such as money in a bank account) owing to the creditors would be taken care of in the bankruptcy.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>This solution gave the children of the deceased peace of mind and allowed them to grieve properly without having to worry about collection agencies or creditors harassing them or the executor of the estate.\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\\r\\n\\r\\n\u003C!-- wp:paragraph -->\\r\\n\u003Cp>If you have found yourself in a similar situation and need help, please do not hesitate to reach out to our Licensed Insolvency Trustees. We will review the situation and give you advice on how you might want to proceed. If you\\u2019d like to meet with one of our professionals, just click the FREE CONSULTATION button, below, or give us a call today. We are here to help you!\u003C\\/p>\\r\\n\u003C!-- \\/wp:paragraph -->\",\"post_title\":\"Is It Possible for an Estate to File for Bankruptcy?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"can-an-estate-file-bankruptcy\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-01-10 07:22:58\",\"post_modified_gmt\":\"2025-01-10 12:22:58\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"https:\\/\\/www.farber.ca\\/blog\\/deciding-on-bankruptcy-for-a-deceased-persons-estate\\/\",\"menu_order\":0,\"post_type\":\"blog\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"anchorId\":\"\"},{\"fieldGroupName\":\"FaqAccordion\",\"introduction\":{\"supertitle\":\"\",\"heading\":\"FAQ\",\"text\":\"Vous trouverez les r\\u00e9ponses aux questions les plus fr\\u00e9quemment pos\\u00e9es sur les solutions d\\u2019all\\u00e8gement de la dette, la terminologie de la dette, la budg\\u00e9tisation et plus encore.\"},\"type\":\"faq\",\"accordions\":false,\"faqs\":[{\"ID\":5421,\"post_author\":\"6\",\"post_date\":\"2024-06-18 21:59:40\",\"post_date_gmt\":\"2024-06-19 01:59:40\",\"post_content\":\"Si vous d\\u00e9clarez faillite, vos cr\\u00e9anciers ne peuvent pas intenter de poursuites judiciaires contre vous. Ils ne peuvent pas vous poursuivre en justice, pr\\u00e9lever de l'argent sur votre salaire ni vous appeler sans cesse pour vous demander de payer.\",\"post_title\":\"Qu\\u2019est-ce qui se passera si je d\\u00e9clare faillite ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"quest-ce-qui-se-passera-si-je-declare-faillite\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:44:07\",\"post_modified_gmt\":\"2025-12-01 17:44:07\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/?post_type=faq&p=5421\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5422,\"post_author\":\"6\",\"post_date\":\"2024-06-18 22:00:24\",\"post_date_gmt\":\"2024-06-19 02:00:24\",\"post_content\":\"En cas de faillite, vous devez c\\u00e9der vos biens au SAI au profit de vos cr\\u00e9anciers. Cependant, vous ne perdrez pas tout en d\\u00e9clarant faillite.\\r\\n\\r\\nIl y a certaines exemptions selon la province o\\u00f9 vous demeurez. Cela dit, dans la plupart des cas, vous pourrez garder les biens suivants lorsque vous d\\u00e9clarez faillite au Canada :\\r\\n\u003Cul>\\r\\n \\t\u003Cli>Une voiture, d\\u2019une valeur fix\\u00e9e par la province\u003C\\/li>\\r\\n \\t\u003Cli>Vos effets personnels et v\\u00eatements\u003C\\/li>\\r\\n \\t\u003Cli>De l\\u2019\\u00e9quipement li\\u00e9 au travail\u003C\\/li>\\r\\n \\t\u003Cli>Les meubles, la nourriture et les outils dans votre maison\u003C\\/li>\\r\\n \\t\u003Cli>Certains types de propri\\u00e9t\\u00e9s agricoles\u003C\\/li>\\r\\n \\t\u003Cli>Toute \\u00e9pargne REER, FERR, REEE, REEI (sauf si constitu\\u00e9e au cours de l'ann\\u00e9e pr\\u00e9c\\u00e9dant le d\\u00e9p\\u00f4t de la faillite)\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\nLe processus de faillite est con\\u00e7u pour privil\\u00e9gier la r\\u00e9habilitation plut\\u00f4t que la punition. Chaque province et territoire a ses propres exemptions \\u00e0 la loi sur la faillite, qui stipulent les biens et le montant des capitaux propres que vous pouvez conserver.\",\"post_title\":\"Qu\\u2019est-ce qui se passera par rapport \\u00e0 mes biens ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"quest-ce-qui-se-passera-par-rapport-a-mes-biens\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:44:52\",\"post_modified_gmt\":\"2025-12-01 17:44:52\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/?post_type=faq&p=5422\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5423,\"post_author\":\"6\",\"post_date\":\"2024-06-18 22:00:38\",\"post_date_gmt\":\"2024-06-19 02:00:38\",\"post_content\":\"D\\u00e9clarer faillite est une proc\\u00e9dure l\\u00e9gale que vous ne pouvez effectuer vous-m\\u00eame. Seul un SAI peut d\\u00e9poser une demande de faillite.\",\"post_title\":\"Est-ce que je peux d\\u00e9clarer faillite moi-m\\u00eame ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"est-ce-que-je-peux-declarer-faillite-moi-meme\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:45:21\",\"post_modified_gmt\":\"2025-12-01 17:45:21\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/?post_type=faq&p=5423\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5424,\"post_author\":\"6\",\"post_date\":\"2024-06-18 22:01:07\",\"post_date_gmt\":\"2024-06-19 02:01:07\",\"post_content\":\"Lorsque vous d\\u00e9clarez une faillite personnelle, votre cote de cr\\u00e9dit est affect\\u00e9e pendant six ans apr\\u00e8s la lib\\u00e9ration. Une note est inscrite \\u00e0 votre dossier de cr\\u00e9dit, ce qui rend difficile l'obtention d'un pr\\u00eat ou d'un cr\\u00e9dit \\u00e0 taux r\\u00e9duit.\\r\\n\\r\\nN\\u00e9anmoins, vous pourrez r\\u00e9tablir votre cote de cr\\u00e9dit en adoptant de bonnes habitudes financi\\u00e8res. Ces habitudes peuvent comprendre l\\u2019emprunt de montants raisonnables que vous rembourserez \\u00e0 temps. L\\u2019obtention d\\u2019une carte de cr\\u00e9dit garantie (cr\\u00e9dit garantie par un d\\u00e9p\\u00f4t) peut vous aider \\u00e0 r\\u00e9tablir votre cote de cr\\u00e9dit. Que ce soit un moment propice ou non pour d\\u00e9clarer faillite , les cons\\u00e9quences financi\\u00e8res ne seront pas permanentes lorsque vous aurez d\\u00e9pos\\u00e9 une demande de faillite personnelle. Il y a des cons\\u00e9quences, mais vous pourrez toujours r\\u00e9tablir votre sant\\u00e9 financi\\u00e8re.\",\"post_title\":\"Comment est-ce que la faillite affectera ma cote de cr\\u00e9dit?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"comment-est-ce-que-la-faillite-affectera-ma-cote-de-credit\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:45:39\",\"post_modified_gmt\":\"2025-12-01 17:45:39\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/?post_type=faq&p=5424\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"},{\"ID\":5425,\"post_author\":\"6\",\"post_date\":\"2024-06-18 22:01:35\",\"post_date_gmt\":\"2024-06-19 02:01:35\",\"post_content\":\"La faillite n'est pas votre seule option. C\\u2019est un dernier recours lorsque les autres solutions ont \\u00e9t\\u00e9 \\u00e9limin\\u00e9es. En cas de faillite, vous c\\u00e8derez la plupart de vos biens au SAI au profit de vos cr\\u00e9anciers. Les gens sont souvent surpris d'apprendre que la faillite ne r\\u00e9sout pas tous les probl\\u00e8mes.\\r\\n\u003Cul>\\r\\n \\t\u003Cli>N'efface pas toutes les dettes\u003C\\/li>\\r\\n \\t\u003Cli>Peut impliquer vos biens\u003C\\/li>\\r\\n \\t\u003Cli>Affecte votre cote de cr\\u00e9dit\u003C\\/li>\\r\\n \\t\u003Cli>Il est plus difficile d'emprunter \\u00e0 nouveau\u003C\\/li>\\r\\n\u003C\\/ul>\\r\\nUne proposition de consommateur est un accord formel et juridiquement contraignant de r\\u00e8glement des dettes entre vous et les entreprises auxquelles vous devez de l'argent (vos cr\\u00e9anciers). Elle peut r\\u00e9duire votre dette jusqu'\\u00e0 80 % \\u00e0 vie, sans frais ni int\\u00e9r\\u00eat.\",\"post_title\":\"Quelle est la diff\\u00e9rence entre la faillite et la proposition de consommateur ?\",\"post_excerpt\":\"\",\"post_status\":\"publish\",\"comment_status\":\"closed\",\"ping_status\":\"closed\",\"post_password\":\"\",\"post_name\":\"quelle-est-la-difference-entre-la-faillite-et-la-proposition-de-consommateur\",\"to_ping\":\"\",\"pinged\":\"\",\"post_modified\":\"2025-12-01 12:46:09\",\"post_modified_gmt\":\"2025-12-01 17:46:09\",\"post_content_filtered\":\"\",\"post_parent\":0,\"guid\":\"\\/?post_type=faq&p=5425\",\"menu_order\":0,\"post_type\":\"faq\",\"post_mime_type\":\"\",\"comment_count\":\"0\",\"filter\":\"raw\"}],\"button\":{\"title\":\"Consulter la FAQ\",\"url\":\"\\/fr\\/faq\\/\",\"target\":\"\"},\"enableSeoSchema\":false,\"anchorId\":\"faqs\"},{\"fieldGroupName\":\"CtasBanner\",\"heading\":\"Depuis plus de 45 ans, nous avons aid\\u00e9 plus de 200 000 personnes \\u00e0 se lib\\u00e9rer de leurs dettes.\",\"text\":\"\u003Cp>Nous vous rencontrerons pour discuter de vos options d’all\\u00e8gement de dettes, vous guider vers la meilleure solution et vous aider \\u00e0 vivre en meilleure relation avec l’argent. Nous sommes l\\u00e0 quand vous serez pr\\u00eat.\u003C\\/p>\\n\",\"ctas\":[{\"button\":{\"title\":\"Vos options d'all\\u00e8gement de la dette\",\"url\":\"\\/fr\\/allegement-dette\",\"target\":\"\"}},{\"button\":{\"title\":\"La proposition de consommateur\",\"url\":\"\\/fr\\/proposition-consommateur\",\"target\":\"\"}},{\"button\":{\"title\":\"La consolidation de dettes\",\"url\":\"\\/fr\\/consolidation-dettes\",\"target\":\"\"}},{\"button\":{\"title\":\"Le conseil en dette\",\"url\":\"\\/fr\\/conseil-en-dette\",\"target\":\"\"}}],\"anchorId\":\"\",\"buttonStyling\":\"right-arrow\",\"colorTheme\":\"teal\"}]",{"pageNavigation":13},"default",{"title":15,"fullHead":16,"metaRobotsNoindex":17,"metaRobotsNofollow":18},"Déclarer faillite au Canada : aide experte en désendettement","\u003C!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https://yoast.com/product/yoast-seo-wordpress/ -->\n\u003Cmeta name=\"description\" content=\"Profite de l'aide d'experts pour ton dépôt de bilan au Canada. Nos services professionnels d'allègement de dettes te guident tout au long du processus et t’aident à atteindre la stabilité financière.\" />\n\u003Clink rel=\"canonical\" href=\"/fr/faillite/\" />\n\u003Cmeta property=\"og:locale\" content=\"fr_FR\" />\n\u003Cmeta property=\"og:type\" content=\"article\" />\n\u003Cmeta property=\"og:title\" content=\"Déclarer faillite au Canada : aide experte en désendettement\" />\n\u003Cmeta property=\"og:description\" content=\"Profite de l'aide d'experts pour ton dépôt de bilan au Canada. Nos services professionnels d'allègement de dettes te guident tout au long du processus et t’aident à atteindre la stabilité financière.\" />\n\u003Cmeta property=\"og:url\" content=\"/fr/faillite/\" />\n\u003Cmeta property=\"og:site_name\" content=\"Farber Debt Solutions\" />\n\u003Cmeta property=\"article:modified_time\" content=\"2025-12-16T11:45:44+00:00\" />\n\u003Cmeta name=\"twitter:card\" content=\"summary_large_image\" />\n\u003Cscript type=\"application/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https://schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"/fr/faillite/\",\"url\":\"/fr/faillite/\",\"name\":\"Déclarer faillite au Canada : aide experte en désendettement\",\"isPartOf\":{\"@id\":\"/fr/#website\"},\"datePublished\":\"2024-06-13T18:11:47+00:00\",\"dateModified\":\"2025-12-16T11:45:44+00:00\",\"description\":\"Profite de l'aide d'experts pour ton dépôt de bilan au Canada. Nos services professionnels d'allègement de dettes te guident tout au long du processus et t’aident à atteindre la stabilité financière.\",\"breadcrumb\":{\"@id\":\"/fr/faillite/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"/fr/faillite/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"/fr/faillite/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"/fr/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Faillite\"}]},{\"@type\":\"WebSite\",\"@id\":\"/fr/#website\",\"url\":\"/fr/\",\"name\":\"Farber\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"/fr/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}\u003C/script>\n\u003C!-- / Yoast SEO plugin. -->","index","follow",{"showLiveChat":20},false,"fr",[23],{"uri":24,"languageCode":25},"/bankruptcy/","en",[27,74,93,132,156,219,241,246,258,268,283,285,320,338,383,444],{"fieldGroupName":28,"heading":29,"text":30,"image":31,"button":38,"backgroundColor":72,"spacing":73},"StandardHeader","La faillite n’est pas votre seul choix pour vous libérer de vos dettes.","Au Canada, déclarer faillite est souvent un dernier recours, après avoir exploré toutes les autres options d'allègement de la dette. La plupart, et même la totalité, de vos dettes peuvent être éliminées, mais il y a aussi des conséquences importantes à long terme.",{"iD":32,"id":32,"title":33,"filename":34,"filesize":35,"url":36,"link":37,"alt":38,"author":39,"description":38,"caption":38,"name":40,"status":41,"uploadedTo":42,"date":43,"modified":44,"menuOrder":45,"mimeType":46,"type":47,"subtype":48,"icon":49,"width":50,"height":51,"sizes":52,"relativeUrl":71},5191,"Bankruptcy","Bankruptcy.png",673655,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy.png","/fr/faillite/bankruptcy-2-3/","","6","bankruptcy-2-3","inherit",5420,"2024-07-17 16:05:22","2025-08-27 14:09:36",0,"image/png","image","png","/wp-includes/images/media/default.png",1920,1140,{"thumbnail":53,"thumbnail-width":54,"thumbnail-height":54,"medium":55,"medium-width":56,"medium-height":57,"mediumLarge":58,"mediumLarge-width":59,"mediumLarge-height":60,"large":61,"large-width":62,"large-height":63,"1536x1536":64,"1536x1536-width":65,"1536x1536-height":66,"2048x2048":36,"2048x2048-width":50,"2048x2048-height":51,"gform-image-choice-sm":36,"gform-image-choice-sm-width":56,"gform-image-choice-sm-height":57,"gform-image-choice-md":36,"gform-image-choice-md-width":67,"gform-image-choice-md-height":68,"gform-image-choice-lg":36,"gform-image-choice-lg-width":69,"gform-image-choice-lg-height":70},"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-150x150.png",150,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-300x178.png",300,178,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-768x456.png",768,456,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1024x608.png",1024,608,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1536x912.png",1536,912,400,238,600,356,"/wp-content/uploads/2024/07/Bankruptcy.png","bg-gold-lightest",[],{"fieldGroupName":75,"heading":76,"anchors":77},"AnchorLinks","Sur cette page",[78,81,84,87,90],{"title":79,"anchorId":80},"Qu'est-ce que c’est au juste la faillite ?","bankruptcy",{"title":82,"anchorId":83},"Facteurs à considérer","considerations",{"title":85,"anchorId":86},"Comment ça marche","how-it-works",{"title":88,"anchorId":89},"Ce que vous pourrez garder","you-can-save",{"title":91,"anchorId":92},"Admissibilité","Eligibility",{"fieldGroupName":94,"image":95,"supertitleStyling":118,"supertitle":79,"badgeNumber":38,"heading":119,"text":120,"button":38,"anchorId":80,"backgroundColor":121,"imageContainer":122,"imageSize":123,"layout":124,"textAlignment":127,"bodyTextSize":129,"showArrowBelow":20,"spacing":130,"buttonStyling":131},"ImageTextBanner",{"iD":96,"id":96,"title":97,"filename":98,"filesize":99,"url":100,"link":101,"alt":38,"author":39,"description":38,"caption":38,"name":102,"status":41,"uploadedTo":103,"date":104,"modified":105,"menuOrder":45,"mimeType":46,"type":47,"subtype":48,"icon":49,"width":62,"height":106,"sizes":107,"relativeUrl":117},5192,"Bankruptcy 1","Bankruptcy-1.png",222302,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1.png","/fr/consolidation-dettes/bankruptcy-1-2/","bankruptcy-1-2",5632,"2024-07-17 16:15:57","2025-08-27 14:13:59",1074,{"thumbnail":108,"thumbnail-width":54,"thumbnail-height":54,"medium":109,"medium-width":110,"medium-height":56,"mediumLarge":111,"mediumLarge-width":59,"mediumLarge-height":112,"large":113,"large-width":114,"large-height":62,"1536x1536":100,"1536x1536-width":62,"1536x1536-height":106,"2048x2048":100,"2048x2048-width":62,"2048x2048-height":106,"gform-image-choice-sm":100,"gform-image-choice-sm-width":110,"gform-image-choice-sm-height":56,"gform-image-choice-md":100,"gform-image-choice-md-width":115,"gform-image-choice-md-height":67,"gform-image-choice-lg":100,"gform-image-choice-lg-width":116,"gform-image-choice-lg-height":69},"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1-150x150.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1-286x300.png",286,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1-768x806.png",806,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-1-976x1024.png",976,381,572,"/wp-content/uploads/2024/07/Bankruptcy-1.png","regular","Songez d’abord à évaluer toutes les options pour gérer votre dette.","\u003Cp>La faillite est le dernier recours après avoir évalué toutes les autres solutions. Vos dettes sont légalement libérées, ce qui veut dire que vous ne serez plus obligé de les rembourser. Le plus grand désavantage est que vous perdez la plupart de vos biens non garantis et que votre capacité d’emprunter ensuite est considérablement réduite. Au Canada, la faillite est une procédure légale qui ne peut être intentée que par un syndic autorisé en insolvabilité (SAI).\u003C/p>\n\u003Cp>Il existe une alternative à la faillite : c’est la proposition de consommateur. Elle peut réduire votre dette jusqu’à 80 % sans frais, ni intérêt.\u003C/p>\n","bg-white","contained","4/12",{"desktop":125,"mobile":126},"imageContent","contentImage",{"desktop":128,"mobile":128},"left","base",[],"light",{"fieldGroupName":133,"heading":134,"text":38,"list":135,"button":148,"backgroundColor":121,"padding":151,"mobileColumns":153,"desktopColumns":154,"width":155},"SmallCheckmarkList","Genres de dettes que nous aidons à régler :",[136,138,140,142,144,146],{"item":137},"Dette de carte de crédit",{"item":139},"Dette fiscale",{"item":141},"Prêts étudiants",{"item":143},"Prêts personnels",{"item":145},"Lignes de crédit",{"item":147},"Prêts sur salaire",{"title":149,"url":150,"target":38},"Réservez votre consultation GRATUITE","/fr/reserver-une-consultation",[152],"bottom-padding","cols-1","auto","12/12",{"fieldGroupName":157,"supertitle":82,"heading":158,"text":159,"items":160,"disclaimer":38,"accordion":216,"anchorId":83},"CardWithAccordion","Est-ce que la faillite en vaut la peine ?","\u003Cp>La faillite devrait être le dernier recours, après avoir envisagé toutes les autres options. Il est important de consulter un SAI pour déterminer si la faillite est nécessaire. Nous pouvons vous aider à comprendre les points positifs et négatifs de toutes les options et vous accompagner à chaque étape. Les gens sont souvent surpris d’apprendre que la faillite ne résout pas tous les problèmes.\u003C/p>\n",[161,177,190,203],{"icon":162,"text":176},{"iD":163,"id":163,"title":164,"filename":165,"filesize":166,"url":167,"link":168,"alt":38,"author":39,"description":38,"caption":38,"name":169,"status":41,"uploadedTo":42,"date":170,"modified":44,"menuOrder":45,"mimeType":171,"type":47,"subtype":172,"icon":49,"width":173,"height":173,"sizes":174,"relativeUrl":175},4948,"icons8-payment-history","icons8-payment-history.svg",2925,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-payment-history.svg","/fr/faillite/icons8-payment-history-2/","icons8-payment-history-2","2024-06-24 15:00:00","image/svg+xml","svg+xml",96,{"thumbnail":167,"thumbnail-width":54,"thumbnail-height":54,"medium":167,"medium-width":56,"medium-height":56,"mediumLarge":167,"mediumLarge-width":59,"mediumLarge-height":59,"large":167,"large-width":62,"large-height":62,"1536x1536":167,"1536x1536-width":173,"1536x1536-height":173,"2048x2048":167,"2048x2048-width":173,"2048x2048-height":173,"gform-image-choice-sm":167,"gform-image-choice-sm-width":173,"gform-image-choice-sm-height":173,"gform-image-choice-md":167,"gform-image-choice-md-width":173,"gform-image-choice-md-height":173,"gform-image-choice-lg":167,"gform-image-choice-lg-width":173,"gform-image-choice-lg-height":173},"/wp-content/uploads/2024/06/icons8-payment-history.svg","N'annule pas toutes vos dettes",{"icon":178,"text":189},{"iD":179,"id":179,"title":180,"filename":181,"filesize":182,"url":183,"link":184,"alt":38,"author":39,"description":38,"caption":38,"name":185,"status":41,"uploadedTo":42,"date":186,"modified":44,"menuOrder":45,"mimeType":171,"type":47,"subtype":172,"icon":49,"width":173,"height":173,"sizes":187,"relativeUrl":188},4946,"icons8-cash-in-hand","icons8-cash-in-hand.svg",2344,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","/fr/faillite/icons8-cash-in-hand-2/","icons8-cash-in-hand-2","2024-06-24 14:59:57",{"thumbnail":183,"thumbnail-width":54,"thumbnail-height":54,"medium":183,"medium-width":56,"medium-height":56,"mediumLarge":183,"mediumLarge-width":59,"mediumLarge-height":59,"large":183,"large-width":62,"large-height":62,"1536x1536":183,"1536x1536-width":173,"1536x1536-height":173,"2048x2048":183,"2048x2048-width":173,"2048x2048-height":173,"gform-image-choice-sm":183,"gform-image-choice-sm-width":173,"gform-image-choice-sm-height":173,"gform-image-choice-md":183,"gform-image-choice-md-width":173,"gform-image-choice-md-height":173,"gform-image-choice-lg":183,"gform-image-choice-lg-width":173,"gform-image-choice-lg-height":173},"/wp-content/uploads/2024/06/icons8-cash-in-hand.svg","Implique la perte de certains de vos biens",{"icon":191,"text":202},{"iD":192,"id":192,"title":193,"filename":194,"filesize":195,"url":196,"link":197,"alt":38,"author":39,"description":38,"caption":38,"name":198,"status":41,"uploadedTo":42,"date":199,"modified":44,"menuOrder":45,"mimeType":171,"type":47,"subtype":172,"icon":49,"width":173,"height":173,"sizes":200,"relativeUrl":201},4955,"icons8-missed-call","icons8-missed-call.svg",1897,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-missed-call.svg","/fr/faillite/icons8-missed-call-2/","icons8-missed-call-2","2024-06-24 15:00:14",{"thumbnail":196,"thumbnail-width":54,"thumbnail-height":54,"medium":196,"medium-width":56,"medium-height":56,"mediumLarge":196,"mediumLarge-width":59,"mediumLarge-height":59,"large":196,"large-width":62,"large-height":62,"1536x1536":196,"1536x1536-width":173,"1536x1536-height":173,"2048x2048":196,"2048x2048-width":173,"2048x2048-height":173,"gform-image-choice-sm":196,"gform-image-choice-sm-width":173,"gform-image-choice-sm-height":173,"gform-image-choice-md":196,"gform-image-choice-md-width":173,"gform-image-choice-md-height":173,"gform-image-choice-lg":196,"gform-image-choice-lg-width":173,"gform-image-choice-lg-height":173},"/wp-content/uploads/2024/06/icons8-missed-call.svg","Affecte votre cote de crédit",{"icon":204,"text":215},{"iD":205,"id":205,"title":206,"filename":207,"filesize":208,"url":209,"link":210,"alt":38,"author":39,"description":38,"caption":38,"name":211,"status":41,"uploadedTo":42,"date":212,"modified":44,"menuOrder":45,"mimeType":171,"type":47,"subtype":172,"icon":49,"width":173,"height":173,"sizes":213,"relativeUrl":214},4951,"icons8-realtime","icons8-realtime.svg",1464,"https://www.farber.ca/wp-content/uploads/2024/06/icons8-realtime.svg","/fr/faillite/icons8-realtime-2/","icons8-realtime-2","2024-06-24 15:00:07",{"thumbnail":209,"thumbnail-width":54,"thumbnail-height":54,"medium":209,"medium-width":56,"medium-height":56,"mediumLarge":209,"mediumLarge-width":59,"mediumLarge-height":59,"large":209,"large-width":62,"large-height":62,"1536x1536":209,"1536x1536-width":173,"1536x1536-height":173,"2048x2048":209,"2048x2048-width":173,"2048x2048-height":173,"gform-image-choice-sm":209,"gform-image-choice-sm-width":173,"gform-image-choice-sm-height":173,"gform-image-choice-md":209,"gform-image-choice-md-width":173,"gform-image-choice-md-height":173,"gform-image-choice-lg":209,"gform-image-choice-lg-width":173,"gform-image-choice-lg-height":173},"/wp-content/uploads/2024/06/icons8-realtime.svg","Il est plus difficile d'emprunter ensuite",{"title":217,"content":218},"Pourquoi la proposition de consommateur est-elle une bonne alternative ?","\u003Cp>Une proposition de consommateur peut être une meilleure approche que la déclaration de faillite et elle peut réduire votre dette jusqu’à 80 %. Vous êtes assuré de ne devoir payer qu’une partie de votre dette. Le reste est annulé pour toujours.\u003C/p>\n\u003Cul>\n\u003Cli>Les frais d’intérêt sont gelés\u003C/li>\n\u003Cli>Les appels de recouvrement et les actions des créanciers sont haltés\u003C/li>\n\u003Cli>0 % d’intérêt\u003C/li>\n\u003Cli>Paiements mensuels\u003C/li>\n\u003Cli>Toujours en fonction de vos finances\u003C/li>\n\u003C/ul>\n",{"fieldGroupName":94,"image":220,"supertitleStyling":118,"supertitle":85,"badgeNumber":38,"heading":236,"text":38,"button":38,"anchorId":86,"backgroundColor":121,"imageContainer":122,"imageSize":123,"layout":237,"textAlignment":238,"bodyTextSize":129,"showArrowBelow":20,"spacing":240,"buttonStyling":131},{"iD":221,"id":221,"title":222,"filename":223,"filesize":224,"url":225,"link":226,"alt":38,"author":39,"description":38,"caption":38,"name":227,"status":41,"uploadedTo":103,"date":228,"modified":229,"menuOrder":45,"mimeType":46,"type":47,"subtype":48,"icon":49,"width":62,"height":106,"sizes":230,"relativeUrl":235},5195,"Bankruptcy 2","Bankruptcy-2.png",259438,"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2.png","/fr/consolidation-dettes/bankruptcy-2-2-2/","bankruptcy-2-2-2","2024-07-17 16:16:07","2025-08-27 14:14:00",{"thumbnail":231,"thumbnail-width":54,"thumbnail-height":54,"medium":232,"medium-width":110,"medium-height":56,"mediumLarge":233,"mediumLarge-width":59,"mediumLarge-height":112,"large":234,"large-width":114,"large-height":62,"1536x1536":225,"1536x1536-width":62,"1536x1536-height":106,"2048x2048":225,"2048x2048-width":62,"2048x2048-height":106,"gform-image-choice-sm":225,"gform-image-choice-sm-width":110,"gform-image-choice-sm-height":56,"gform-image-choice-md":225,"gform-image-choice-md-width":115,"gform-image-choice-md-height":67,"gform-image-choice-lg":225,"gform-image-choice-lg-width":116,"gform-image-choice-lg-height":69},"https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-150x150.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-286x300.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-768x806.png","https://www.farber.ca/wp-content/uploads/2024/07/Bankruptcy-2-976x1024.png","/wp-content/uploads/2024/07/Bankruptcy-2.png","Déclaration de faillite",{"desktop":125,"mobile":125},{"desktop":128,"mobile":239},"center",[],{"fieldGroupName":242,"supertitle":38,"heading":38,"textAlignment":239,"wysiwygEditor":243,"anchorId":38,"padding":244,"width":245,"backgroundColor":121,"border":20},"TextEditor","\u003Col>\n\u003Cli>Réserver votre consultation gratuite\u003C/li>\n\u003Cli>Nous discutons avec vous de toutes les solutions avant de déclarer faillite, comme la proposition de consommateur\u003C/li>\n\u003Cli>Nous préparons le dossier de votre faillite, elle est déposée auprès du gouvernement et nous informons vos créanciers.\u003C/li>\n\u003Cli>Une fois le dossier déposé, les créanciers doivent cesser de vous contacter pour obtenir le paiement, et vous serez sur l\u003Ca href=\"/fr/syndic-autorise-insolvabilite/\">a voie d’une meilleure santé\u003C/a> financière.\u003C/li>\n\u003C/ol>\n",[],"8/12",{"fieldGroupName":247,"heading":38,"type":248,"accordion":249,"faqs":8,"outro":38,"button":38,"anchorId":38,"padding":256,"margin":257,"width":245},"Accordion","manual",[250,253],{"title":251,"content":252},"Combien coûte le dépôt d’une faillite au Canada?","\u003Cp>Au Canada, le coût d’une faillite personnelle varie d’une personne à l’autre. Il est basé sur votre revenu mensuel, certaines de vos dépenses, le nombre de personnes dans votre famille et vos biens.\u003C/p>\n\u003Cp>La meilleure façon de procéder est de prendre rendez-vous pour votre consultation gratuite avec un SAI afin de discuter des coûts et d’examiner toutes les options d’allègement de vos dettes. Les frais d’un SAI en cas de faillite sont réglementés par le gouvernement fédéral et déduits de vos contributions.\u003C/p>\n",{"title":254,"content":255},"Pourquoi travailler avec un syndic autorisé en insolvabilité (SAI) comme nous ?","\u003Cp>Les SAI sont autorisés par le gouvernement à gérer les solutions d’endettement et à aider les gens en difficulté financière à trouver des solutions pour s’en sortir. Ils sont là pour vous écouter et vous aider à trouver la meilleure solution dans un espace sécuritaire et sans jugement. \u003Ca href=\"/fr/syndic-autorise-insolvabilite/\">Plus d’info sur les SAI.\u003C/a>\u003C/p>\n",[152],[],{"fieldGroupName":259,"introduction":260,"anchorId":89,"backgroundColor":72,"padding":266},"DebtPaymentCalculator",{"heading":261,"headingLevel":262,"text":263,"button":264},"Quand il devient nécessaire de déclarer faillite","h2","\u003Cp>La faillite peut être une option lorsque vos dettes sont devenues trop lourdes à gérer et que vous ne gagnez plus la majeure partie, ou même la totalité, de votre revenu familial, pendant une longue période. Si c’est la meilleure solution pour vous, nous vous accompagnerons à chaque étape du processus en vous offrant soutien et conseils.\u003C/p>\n",{"title":265,"url":150,"target":38},"Réserver votre consultation GRATUITE",[267,152],"top-padding",{"fieldGroupName":269,"subheading":91,"heading":270,"text":271,"list":272,"button":279,"anchorId":92,"layout":280,"listStyle":281,"padding":282},"List","Êtes-vous admissible ?","Si vous avez de la difficulté à rembourser vos dettes, la faillite n'est qu'une seule option parmi d'autres. Nous vous aiderons à choisir la solution la plus adaptée à votre situation et nous vous accompagnerons à chaque étape.",[273,275,277],{"item":274},"Vous êtes âgé d’au moins 18 ans",{"item":276},"Vous êtes un résident ou une résidente du Canada, vous possédez une propriété ou vous avez exploité une entreprise au cours de la dernière année",{"item":278},"Vos dettes dépassent la valeur totale de vos biens ou vous ne pouvez rembourser vos dettes.",{"title":265,"url":150,"target":38},"flex-col","bullet-point",[267,152],{"fieldGroupName":284,"anchorId":38},"TrustpilotReviewSlider",{"fieldGroupName":286,"globalBlock":287,"anchorId":38,"flexBlocks":288},"GlobalBlock",5391,[289],{"fieldGroupName":94,"image":290,"supertitleStyling":118,"supertitle":307,"badgeNumber":38,"heading":308,"text":309,"button":310,"anchorId":38,"backgroundColor":313,"imageContainer":314,"imageSize":315,"layout":316,"textAlignment":317,"bodyTextSize":318,"showArrowBelow":20,"spacing":319,"buttonStyling":131},{"iD":291,"id":291,"title":292,"filename":293,"filesize":294,"url":295,"link":296,"alt":38,"author":39,"description":38,"caption":38,"name":297,"status":41,"uploadedTo":298,"date":299,"modified":299,"menuOrder":45,"mimeType":46,"type":47,"subtype":48,"icon":49,"width":50,"height":51,"sizes":300,"relativeUrl":306},4974,"Why Farber CTA","Why-Farber-CTA.png",508462,"https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA.png","/fr/?attachment_id=4974","why-farber-cta-2",324,"2024-06-27 14:57:33",{"thumbnail":301,"thumbnail-width":54,"thumbnail-height":54,"medium":302,"medium-width":56,"medium-height":57,"mediumLarge":303,"mediumLarge-width":59,"mediumLarge-height":60,"large":304,"large-width":62,"large-height":63,"1536x1536":305,"1536x1536-width":65,"1536x1536-height":66,"2048x2048":295,"2048x2048-width":50,"2048x2048-height":51,"gform-image-choice-sm":295,"gform-image-choice-sm-width":56,"gform-image-choice-sm-height":57,"gform-image-choice-md":295,"gform-image-choice-md-width":67,"gform-image-choice-md-height":68,"gform-image-choice-lg":295,"gform-image-choice-lg-width":69,"gform-image-choice-lg-height":70},"https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA-150x150.png","https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA-300x178.png","https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA-768x456.png","https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA-1024x608.png","https://www.farber.ca/wp-content/uploads/2024/06/Why-Farber-CTA-1536x912.png","/wp-content/uploads/2024/06/Why-Farber-CTA.png","Pourquoi choisir Farber ?","Nous croyons que tout le monde peut prospérer","\u003Cp>L’endettement auquel vous faites face aujourd’hui n’est pas pour toujours. Forts de nos plus de 45 ans d’expérience en matière d’allégement de la dette au Canada, nous avons aidé plus de 200 000 gens comme vous à retourner à leur vie avant les dettes et à mieux gérer leur argent.\u003C/p>\n",{"title":311,"url":312,"target":38},"Ce qui nous rend différent","/fr/ce-qui-nous-rend-differents","bg-teal-dark","full-bleed","5/12",{"desktop":125,"mobile":125},{"desktop":239,"mobile":239},"large",[],{"fieldGroupName":321,"anchorId":38,"layout":322,"form":323,"heading":38,"content":38,"hideContentOnMobile":20,"backgroundColor":337},"FormEmbed","1-col",{"ID":324,"post_author":39,"post_date":325,"post_date_gmt":326,"post_content":327,"post_title":328,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":330,"to_ping":38,"pinged":38,"post_modified":331,"post_modified_gmt":332,"post_content_filtered":38,"post_parent":45,"guid":333,"menu_order":45,"post_type":334,"post_mime_type":38,"comment_count":335,"filter":336},5347,"2024-06-05 14:23:04","2024-06-05 18:23:04","\u003Ch2>Votre consultation gratuite et confidentielle vous attend\u003C/h2>\r\nRemplir les champs obligatoires (*)\r\n\r\n[gravityform id=\"14\" title=\"false\" ajax=\"true\"]","Book a Consultation FR","closed","book-a-consultation","2025-12-01 12:41:18","2025-12-01 17:41:18","/form-embeds/book-a-consultation/","form_embed","0","raw","bg-teal-lightest",{"fieldGroupName":339,"heading":340,"cards":341,"anchorId":38},"ArticleCards","La vérité au sujet de la dette",[342,353,363,373],{"ID":343,"post_author":39,"post_date":344,"post_date_gmt":345,"post_content":346,"post_title":347,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":348,"to_ping":38,"pinged":38,"post_modified":349,"post_modified_gmt":350,"post_content_filtered":38,"post_parent":45,"guid":351,"menu_order":45,"post_type":352,"post_mime_type":38,"comment_count":335,"filter":336},2449,"2021-04-01 12:59:00","2021-04-01 16:59:00","Let’s face it—nobody wants to talk about \u003Ca href=\"/bankruptcy\">bankruptcy\u003C/a>. It is a heavy word that often brings up feelings of fear, uncertainty, and, let’s be honest, a bit of confusion.\r\n\r\nBut here is the thing: understanding bankruptcy does not have to be overwhelming. In fact, it is just one tool in the financial toolkit for people who find themselves in deep debt and need a fresh start.\r\n\r\nWhether you are at the end of your financial rope or simply exploring options, this guide will walk you through everything you need to know about bankruptcy in Canada. From understanding the basics to exploring alternatives like \u003Ca href=\"/consumer-proposal\">consumer proposals\u003C/a>, we will break it down so you can make the best choice for your financial future.\r\n\u003Ch2>Bankruptcy 101: What It Actually Means\u003C/h2>\r\nFirst things first: what exactly is bankruptcy? In Canada, bankruptcy is a legal way to get some relief when you are drowning in debt and cannot keep up with payments. It is all governed by something called the \u003Ca href=\"https://laws-lois.justice.gc.ca/eng/acts/B-3/\" target=\"_blank\" rel=\"noopener\">Bankruptcy and Insolvency Act (BIA)\u003C/a>, which lays out the rules for how bankruptcy should be handled.\r\n\r\nThink of the BIA as the guidebook for making sure things are done fairly – it helps you get a fresh start while ensuring creditors (the people you owe money to) still get what is owed to them as best as possible.\r\n\r\nWhen you file for bankruptcy, you are basically saying, \"I cannot pay my debts.\" But do not worry – it is not the end of the world!\r\n\r\nYou will be paired with a professional called a \u003Ca href=\"/why-a-licensed-insolvency-trustee\">Licensed Insolvency Trustee (LIT)\u003C/a>. This person is like your bankruptcy tour guide, walking you through the entire process. The LIT will help sell off any non-essential assets and use the proceeds to repay creditors. The best part? Once it is all done, most of your remaining debts are discharged.\r\n\r\nBut here is the kicker: not all debts go away with bankruptcy. Things like certain taxes, student loans (in some cases), and any spousal or child support payments are still on the table.\r\n\u003Ch2>What Kind of Bankruptcy Are We Talking About?\u003C/h2>\r\nNot all bankruptcies are created equal. Depending on your situation, there are different types of bankruptcy and insolvency proceedings in Canada. Understanding these options is key to knowing what might work for you.\r\n\r\n\u003Cstrong>Personal Bankruptcy\u003C/strong>\r\n\r\nThis is the most common kind and is used by individuals who just cannot keep up with their personal debts such as credit cards and personal loans. In this case, non-exempt assets are sold off, and after about nine months – assuming you stick to the terms – you will likely be discharged from most debts. Consider it your financial reboot.\r\n\r\n\u003Cstrong>Business Bankruptcy\u003C/strong>\r\n\r\nBusinesses can also file for bankruptcy if they are financially underwater. Depending on whether the business has a chance of bouncing back or is on its last legs, the process might involve liquidating assets to repay creditors or restructuring through insolvency.\r\n\r\n\u003Cstrong>Consumer Proposal\u003C/strong>\r\n\r\nNot ready for bankruptcy just yet? Enter the \u003Ca href=\"/blog/what-is-a-consumer-proposal\">consumer proposal\u003C/a>. If you have unsecured debts under $250,000, you might be able to offer creditors a deal through a legally--binding debt settlement agreement: you repay part of what you owe over a span of up to five years, and they agree to forgive the rest. It is like hitting the pause button on your debts without going all the way into bankruptcy.\r\n\r\n\u003Cstrong>Division I Proposal\u003C/strong>\r\n\r\nThink of this as the “big leagues” version of a consumer proposal, designed for businesses or individuals with debts over $250,000. It lets you reorganize those debts into something more manageable without diving into full bankruptcy.\r\n\u003Ch3>The Liquidation Process\u003C/h3>\r\nIf you go the bankruptcy route, liquidation is part of the deal. But do not worry, it is not as scary as it sounds. Liquidation is just a fancy way of saying that your non-exempt assets are sold to help repay creditors.\r\n\r\nEach province in Canada has different rules about what assets you can hang onto, but generally, everyday necessities like clothing, essential household items, and a modest car are safe. The vacation homes, boats, and extra cars? Those will probably have to go.\r\n\r\nThe liquidation process involves your Licensed Insolvency Trustee assessing what you owe and selling off your non-exempt assets. Creditors get their slice of the pie from those proceeds and once that is all done, your remaining debts are typically discharged. This could give you that fresh financial start you have been dreaming of. But to qualify for bankruptcy, you need to owe more than $1,000 and be unable to meet your debt payments as they come due.\r\n\u003Ch2>The Bankruptcy Filing Process: Step-by-Step Breakdown\u003C/h2>\r\nSo, how does filing bankruptcy actually work? Let’s walk through the main steps so you are not in the dark if this becomes something you are considering.\r\n\r\n\u003Cstrong>1. Consult a Farber team member\u003C/strong>\r\n\r\nYour first stop is a chat with a Debt Solutions Manager. They will look at your financial situation and help you decide whether bankruptcy is the best option or if something else—like a consumer proposal—might work better.\r\n\r\n\u003Cstrong>2. File the Paperwork\u003C/strong>\r\n\r\nIf bankruptcy is the way to go, a Licensed Insolvency Trustee will handle the paperwork. You will need to provide details about your debts, assets, and income, and they will file everything with the Office of the Superintendent of Bankruptcy (OSB).\r\n\r\n\u003Cstrong>3. Automatic Stay of Proceedings\u003C/strong>\r\n\r\nThis sounds super official, but it is a good thing. The minute you file for bankruptcy, something called an \"automatic stay\" kicks in, which means creditors have to stop reaching out to you to pay your debts.\r\n\r\n\u003Cstrong>4. Credit Counselling Sessions\u003C/strong>\r\n\r\nAs part of the bankruptcy process, you will need to attend two mandatory credit counselling sessions. These are designed to help you build better money habits and avoid ending up in the same situation again.\r\n\r\n\u003Cstrong>5. Discharge from Bankruptcy\u003C/strong>\r\n\r\nIf you follow the rules and attend the counselling sessions, you will be discharged from your bankruptcy, and most of your debts will be wiped away.\r\n\u003Ch3>Working with a Bankruptcy Attorney\u003C/h3>\r\nWhile \u003Ca href=\"/our-team\">working with a Licensed Insolvency Trustee\u003C/a> is a requirement for filing bankruptcy in Canada, consulting with a bankruptcy attorney can also be a good idea, especially if your financial situation is complex. A bankruptcy attorney can provide additional legal guidance, help protect your assets, and ensure that your rights are upheld throughout the process.\r\n\r\nThe attorney can also advise you on the best strategy, whether that involves bankruptcy, a consumer proposal, or another form of debt relief.\r\n\r\nHaving an expert—even more than one—in your corner can make the process smoother and help you avoid costly mistakes.\r\n\u003Ch2>The Impact of Bankruptcy on Your Financial Future\u003C/h2>\r\nFiling for bankruptcy has both short-term and long-term consequences on your financial life. In the short term, it may provide immediate relief from creditors and stop wage garnishments or lawsuits. However, the long-term effects can be more significant, particularly when it comes to your credit rating and borrowing ability.\r\n\u003Cul>\r\n \t\u003Cli>\u003Cstrong>Credit Rating:\u003C/strong> Bankruptcy will \u003Ca href=\"/blog/how-to-rebuild-a-bad-credit-score\">significantly impact your credit\u003C/a>, and the bankruptcy will remain on your credit report for six to seven years, depending on the type of bankruptcy and your province.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Borrowing Ability:\u003C/strong> It may be difficult to obtain credit immediately after bankruptcy. When you do qualify for credit, you may face higher interest rates and stricter borrowing terms.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Eliminate Your Debts:\u003C/strong> On the positive side, bankruptcy can eliminate most of your debt, providing you with a clean slate to rebuild your finances and start fresh.\u003C/li>\r\n\u003C/ul>\r\n\u003Ch3>Rebuilding Credit After Bankruptcy: How to Bounce Back\u003C/h3>\r\nOkay, so you have gone through the bankruptcy process. Now what? It is time to rebuild that credit. Yes, filing for bankruptcy will negatively impact your credit, but you can absolutely recover with time and effort. Here is how to get started:\r\n\u003Cul>\r\n \t\u003Cli>\u003Cstrong>Make a Budget and Stick to It:\u003C/strong> It is time to get cozy with a budget. Track your expenses, cut out unnecessary costs, and make sure you are living within your means.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Open a Secured Credit Card:\u003C/strong> A secured credit card is a great tool for rebuilding credit. You put down a deposit, and that amount becomes your credit limit. Pay it off on time, every time, and you will start seeing improvements in your credit score.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Pay Everything on Time:\u003C/strong> This goes for all bills – not just credit cards. Whether it is your rent, utilities, or phone bill, paying on time will slowly but surely boost your credit score.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Monitor Your Credit Report:\u003C/strong> Keep an eye on your credit report for errors and check your progress as you rebuild your financial profile.\u003C/li>\r\n\u003C/ul>\r\n\u003Ch3>Bankruptcy Alternatives\u003C/h3>\r\nBankruptcy is not the only game in town. Before you make any decisions, you should speak with a Licensed Insolvency Trustee to discuss \u003Ca href=\"/debt-relief\">other debt-relief options to consider\u003C/a>.\r\n\r\n\u003Cstrong>Consumer Proposal\u003C/strong>\r\n\r\nAs mentioned earlier, a consumer proposal lets you offer creditors a portion of what you owe in exchange for avoiding bankruptcy. It is a popular choice for those who want to keep their assets and regain control of their financial future. Learning the \u003Ca href=\"/blog/bankruptcy-vs-consumer-proposal\">differences between consumer proposals and bankruptcy\u003C/a> will help you make an informed choice.\r\n\r\n\u003Cstrong>Debt Consolidation\u003C/strong>\r\n\r\n\u003Ca href=\"/debt-consolidation\">Debt consolidation\u003C/a> involves rolling all your debts into one loan with a lower interest rate. You will make one payment instead of juggling several, which can make life a lot easier. However, as convenient as these loans sound, they are not for everyone and can be hard to qualify for if your credit has already been damaged. They also usually involve higher interest rates and can lead to greater financial strain in the long run.\r\n\r\n\u003Cstrong>Debt Settlement\u003C/strong>\r\n\r\nThis can sometimes be another way of saying debt consolidation or debt negotiation. With debt settlement, you negotiate with creditors to pay off a portion of your debt rather than the whole amount. It is a bit like bargaining at a garage sale but for your finances.\r\n\r\nIt is important to note that debt settlement firms, as capable as they may be, are not licensed by the federal government to file proposals and bankruptcies as Trustees can. This means that they may not be able to get rid of all your debt problems.\r\n\u003Ch2>The Big Takeaway\u003C/h2>\r\nAt Farber, we have been helping Canadians take control of their financial future for decades. Whether you are considering bankruptcy, exploring alternatives like a consumer proposal, or just looking for professional advice on how to get back on track, we are here to guide you every step of the way.\r\n\r\nOur team of Licensed Insolvency Trustees is experienced, compassionate, and ready to help you find the best path forward. We will take the time to understand your unique situation, explain all your options in simple, easy-to-understand language, and help you make the most informed decision for your financial well-being.\r\n\r\nWe offer free consultations, so you can ask questions, discuss your concerns, and get expert advice with zero pressure. Whether it is through bankruptcy or a consumer proposal, we will work with you to create a solution that makes sense for your life.\r\n\r\nReady to take the first step? \u003Ca href=\"/book-a-consultation\">Book a free consultation\u003C/a> and start your journey towards building a better relationship with money. You deserve peace of mind, and we are here to help you find it!\r\n\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- /wp:paragraph -->","Understand How Bankruptcy Works and If It Is For You","what-is-bankruptcy","2025-12-30 06:20:14","2025-12-30 11:20:14","https://www.farber.ca/blog/bankruptcy/","blog",{"ID":354,"post_author":39,"post_date":355,"post_date_gmt":356,"post_content":357,"post_title":358,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":359,"to_ping":38,"pinged":38,"post_modified":360,"post_modified_gmt":361,"post_content_filtered":38,"post_parent":45,"guid":362,"menu_order":45,"post_type":352,"post_mime_type":38,"comment_count":335,"filter":336},2492,"2016-08-03 16:01:00","2016-08-03 20:01:00","Dealing with debt can feel overwhelming, but the good news is that there are options available in Canada to help you find relief. Two of the most popular solutions are consumer proposals and bankruptcy.\r\n\r\nWhile both can help you get back on track, understanding the differences between a consumer proposal vs. bankruptcy can help you decide which option suits you best. Let us break down both so you can decide which one might be a better option for you!\r\n\u003Ch2 aria-level=\"2\">What is a Consumer Proposal?\u003C/h2>\r\nYou may not have heard of a consumer proposal before. Think of a \u003Ca href=\"/consumer-proposal\">consumer proposal\u003C/a> as a way to hit “pause” on your debt and negotiate a deal that works for both you and your creditors. Often up to 80% of your debt is forgiven!\r\n\r\nA consumer proposal is a formal and legally-binding debt settlement agreement where you pay back a portion of what you owe over a set period. The monthly payments are based on what you can afford to ensure you make your payments.\r\n\r\nOther perks? It can stop those dreaded collection calls and creditor actions.\r\n\r\nA consumer proposal can only be managed by \u003Ca href=\"/why-a-licensed-insolvency-trustee\">Licensed Insolvency Trustees (LITs)\u003C/a>. They handle all negotiations with your creditors to help take the pressure off your shoulders.\r\n\u003Ch3 aria-level=\"3\">How Does a Consumer Proposal Work with Your Creditors?\u003C/h3>\r\nIt starts by sitting down with a LIT, who looks at your financial situation and helps you propose a deal to your unsecured creditors. Usually, this involves paying back a percentage of the total debt over a few years. The creditors vote on the plan, and if the majority agree, you are good to go!\r\n\u003Ch3 aria-level=\"3\">Who Can Qualify for a Consumer Proposal?\u003C/h3>\r\nThis option is for people who are making an income but find it tough to pay their full debt. To be eligible for a consumer proposal with Farber, you must be at least 18 years old, a Canadian resident or own property in Canada, your total unsecured debts are less than $250,000 and have enough income to make regular payments.\r\n\r\nWe recommend you speak with our team to talk about qualifications when considering if a consumer proposal, or any other debt-relief solution, is right for you.\r\n\u003Ch3 aria-level=\"3\">What Are the Key Benefits of a Consumer Proposal?\u003C/h3>\r\n\u003Cul>\r\n \t\u003Cli>\u003Cstrong>Keep your assets:\u003C/strong> You do not have to worry about losing your house or car, unlike in some other debt-relief options.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Stop collection calls and creditor actions:\u003C/strong> You will no longer have to feel a sense of panic whenever the phone rings again. Once a consumer proposal is accepted, your unsecured creditors will have to stop hassling you.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Predictable payments:\u003C/strong> \u003Ca href=\"/blog/pros-and-cons-of-filing-a-consumer-proposal\">Expect no surprises with a consumer proposal \u003C/a>and based on what you can afford, so you can budget more easily.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>0% interest:\u003C/strong> Your interest charges are frozen on most debt, and you can expect 0% interest on your remaining debt.\u003C/li>\r\n\u003C/ul>\r\n\u003Ch2 aria-level=\"2\">What is Bankruptcy?\u003C/h2>\r\nNow let’s look at the other option that you have probably heard more about —bankruptcy\r\n\r\n\u003Ca href=\"/bankruptcy\">Bankruptcy\u003C/a>, on the other hand, is a way to get rid of most of your debt if paying it back just is not possible. It is more of a last-resort option when you need a clean slate, but it comes with certain trade-offs, like giving up some of your assets.\r\n\r\nMany people think bankruptcy may be their only option, but it is not! We recommend exploring all your options and getting professional advice before moving forward with bankruptcy.\r\n\u003Ch3 aria-level=\"3\">How Does Filing for Bankruptcy Work?\u003C/h3>\r\nWhen you file for bankruptcy, a Licensed Insolvency Trustee takes over and manages your case. Your debts are legally discharged, which means you are no longer required to pay them back.\r\n\r\nThey will handle things like selling off some of your assets (do not worry — \u003Ca href=\"/blog/exempt-assets-in-bankruptcy\">there are exemptions for things like basic household items\u003C/a>). Once the process is complete, most of your unsecured debts are wiped out, giving you a fresh start.\r\n\u003Ch3 aria-level=\"3\">What Are the Eligibility Criteria for Bankruptcy?\u003C/h3>\r\nYou can file for bankruptcy with Farber if you are at least 18 years old, a Canadian resident or own property/have carried on a business within the last year, and your debts exceed the total value of your assets, or you are unable to repay your debts as they come due.\r\n\r\nAs with the consumer proposal, we recommend you speak with our team to talk about qualifications when considering if bankruptcy is right for you.\r\n\u003Ch3 aria-level=\"3\">What Happens When You Declare Bankruptcy?\u003C/h3>\r\n\u003Cul>\r\n \t\u003Cli>\u003Cstrong>You might lose assets\u003C/strong>: Some of your belongings may need to be sold to repay creditors, but many essential items are protected and most of your debts are wiped out.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Credit impact:\u003C/strong> Bankruptcy stays on your record for six to seven years, or up to 14 years if it is your second bankruptcy.\u003C/li>\r\n \t\u003Cli>\u003Cstrong>Makes it harder to borrow again:\u003C/strong> If you are looking to borrow money in the future, like for a mortgage or to obtain a new credit card, it might be difficult with bankruptcy on your record.\u003C/li>\r\n\u003C/ul>\r\nSpeaking with a LIT can help you understand the pros and cons of bankruptcy and how it can affect you.\r\n\u003Ch2 aria-level=\"2\">Consumer Proposal vs. Bankruptcy: What is the Difference?\u003C/h2>\r\n\u003Ch3 aria-level=\"3\">How Each Option Affects Your Ability to Keep Assets\u003C/h3>\r\nIf keeping your house or car is important to you, a consumer proposal is probably the better choice. With bankruptcy, you might have to forfeit non-essential assets.\r\n\u003Ch3 aria-level=\"3\">How Debt Repayment Differs Between These Two Options\u003C/h3>\r\nWith a consumer proposal, you agree to repay part of your debt through a structured plan, but at a reduced amount. Bankruptcy, however, wipes out most unsecured debts entirely, giving you a fresh start.\r\n\u003Ch3 aria-level=\"3\">What Happens to Your Credit in Each Situation\u003C/h3>\r\nWhen it comes to a consumer proposal vs. bankruptcy, the former is a bit kinder to your credit score and only stays on your report for three years after you complete the repayment. Bankruptcy, on the other hand, \u003Ca href=\"https://www.rbcroyalbank.com/en-ca/my-money-matters/debt-and-stress-relief/bankruptcy/personal-bankruptcy/what-happens-to-your-credit-score-if-you-declare-bankruptcy/\" target=\"_blank\" rel=\"noopener\">sticks around longer\u003C/a> — typically six to seven years.\r\n\u003Ch3 aria-level=\"3\">Comparing the Costs of Filing a Consumer Proposal or Bankruptcy\u003C/h3>\r\nBoth options come with fees, mostly for your Licensed Insolvency Trustee. In a consumer proposal, those fees are usually rolled into your monthly payments.\r\n\r\nBankruptcy can have additional costs, such as legal fees. The cost in Canada varies person-by-person. It is based on your monthly income, certain expenses, the size of your family unit and your assets.\r\n\r\nFees to a LIT for both consumer proposal and bankruptcy are federally regulated and deducted from the funds you contribute. It is best to book a free consultation with a LIT to go over the costs involved with either option.\r\n\u003Ch2 aria-level=\"2\">How Do You Decide Which One Is Right for You?\u003C/h2>\r\n\u003Ch3 aria-level=\"3\">Consider Your Financial Situation First\u003C/h3>\r\nIf you have valuable assets that you want to keep, a consumer proposal may be a better fit. Bankruptcy might be more suitable if you are struggling to make any payments at all. You will have to weigh out the pros and cons of each one depending on your financial situation. This also includes looking at the amount of debt you have and your ability to repay your debt or make regular payments.\r\n\u003Ch3 aria-level=\"3\">Think About Your Long-Term Financial Goals\u003C/h3>\r\nDo you want to get your credit back on track faster? A consumer proposal may help you do that since it has a shorter-lasting impact on your credit report. Bankruptcy gives you a fresh start, but it takes \u003Ca href=\"https://borrowell.com/blog/how-to-rebuild-your-credit-in-canada\" target=\"_blank\" rel=\"noopener\">longer to rebuild your credit\u003C/a>.\r\n\u003Ch3 aria-level=\"3\">Do Not Overlook the Emotional and Psychological Factors\u003C/h3>\r\nNavigating debt relief can bring up a lot of emotions, and it is important to prioritize your well-being along the way. While the thought of bankruptcy might feel overwhelming, especially with the possibility of losing assets, remember that you are taking a positive step toward regaining control of your finances.\r\n\r\nA consumer proposal can be a gentler option, allowing you to resolve your debts while maintaining more stability. No matter which path you choose, know that you are making a proactive choice to improve your financial future — and that is something to be proud of!\r\n\u003Ch3 aria-level=\"3\">Always Seek Professional Advice from a Licensed Insolvency Trustee\u003C/h3>\r\nMaking this decision is not something you must do alone. In fact, you should not have to do it alone at all. We always recommend that you consult and seek advice from an insolvency professional.\r\n\r\nSpeaking with a Licensed Insolvency Trustee can help you evaluate all your options and choose the best path based on your unique financial situation. They will work with you to find a debt-relief solution that will reduce your debt stress and help you rebuild your financial future and relationship with money.\r\n\u003Ch2 aria-level=\"2\">Learn How Farber Can Help You Find the Right Debt Solution\u003C/h2>\r\nAt Farber Debt Solutions, we understand how overwhelming it can feel when debt takes control. If you need further help choosing between a consumer proposal vs. bankruptcy, our team of Licensed Insolvency Trustees is here to help guide you.\r\n\r\nWe will work with you to find the best option for your situation, so you can start building a brighter financial future. \u003Ca href=\"/book-a-consultation\">Book your free no-obligation consultation today\u003C/a> and take the first step toward gaining control of your finances!","Consumer Proposal or Bankruptcy: Which Option Is For You?","bankruptcy-vs-consumer-proposal","2025-12-30 06:32:30","2025-12-30 11:32:30","https://www.farber.ca/blog/bankruptcy-versus-a-consumer-proposal/",{"ID":364,"post_author":39,"post_date":365,"post_date_gmt":366,"post_content":367,"post_title":368,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":369,"to_ping":38,"pinged":38,"post_modified":370,"post_modified_gmt":371,"post_content_filtered":38,"post_parent":45,"guid":372,"menu_order":45,"post_type":352,"post_mime_type":38,"comment_count":335,"filter":336},2508,"2013-11-21 00:46:00","2013-11-21 05:46:00","\u003C!-- wp:paragraph -->\r\n\u003Cp>Do You Know The Score? ...and I am not talking about the hockey score, I’m talking about your credit score!\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>Many people have told me that they have a 4 star credit rating or Triple A credit. However, when I asked them what their credit score was, most of them didn’t know what a credit score was, or had any idea where to get it.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-the-difference-between-credit-score-and-credit-report\">The difference between Credit Score and Credit Report\u003C/h3>\r\n\u003C!-- /wp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Some people have never looked at their credit score or credit report or even know what the difference is between them. You need to contact both Equifax and TransUnion. As they are not affiliated with each other, and don’t share information, your credit reports may be slightly different.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>A \u003Cstrong>Credit Report\u003C/strong> will show you a 3 year period of payments to each of your creditors, and how many times you either paid on time or were 1, 2, 3 or more months late with your payments. You can obtain one free copy a year of your credit report just by simply mailing in a request form which you can get from the  \u003Ca title=\"Request to obtain a free credit report from Equifax\" href=\"https://www.econsumer.equifax.ca/canadaotc/order.ehtml?prod_cd=CAECS&locale_code=en_ca\" target=\"_blank\" rel=\"noopener noreferrer\">Equifax website\u003C/a>.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>A \u003Cstrong>Credit Score\u003C/strong> is a point system assessing what type of credit risk you are. You can obtain a copy of your credit score, by going to the credit bureaus websites. There are several factors that are considered in calculating your credit score. Knowing what some of those factors are will help you build your credit rating much faster. Did you know that your credit score has a direct impact on not just if you are approved for credit but also what interest rate you are offered?\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-why-you-should-check-your-credit-report-every-year\">Why you should \u003Ca href=\"/blog/getting-your-credit-history-back-on-track/\">check your credit report\u003C/a> every year\u003C/h3>\r\n\u003C!-- /wp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Everyone should review their credit report and score at least once a year, to ensure their information is accurate. If you think the information on your credit report should be fine, think again. I know of many cases where the information was not correct, for a number of reasons. Two examples come to mind that demonstrate how important it is to know what is going on in your credit profile:\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>\u003Cstrong>First example\u003C/strong>: A woman had her purse stolen. She reported the stolen credit cards to the credit card company, who cancelled the credit cards and issued her new ones. Several months later, she looked at her credit profile and saw that she had two of each card listed as active on her credit report. That might not sound bad to some people, but did you know if you have more than 4 active credit cards, you lose points? Furthermore, it raised her debt to income ratio – anytime you have more than 20% of your annual income in available credit – whether it is used or not - you lose points.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\u003Cp> \u003C/p>\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>Second example: A gentleman trying to buy a home for the 1st time goes to a mortgage broker to get pre-approved. When the mortgage broker asked him “Have you been bankrupt – twice?”, the gentleman replied: \"No, just once.\" He told me getting that fixed took a lot longer than he thought it would. He also realized that it was probably the reason why he had a hard time getting a credit card.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:heading {\"level\":3} -->\r\n\u003Ch3 id=\"h-how-to-rebuild-your-credit-after-a-consumer-proposal-or-a-bankruptcy\">How to rebuild your credit after a Consumer Proposal or a Bankruptcy\u003C/h3>\r\n\u003C!-- /wp:heading -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If \u003Ca href=\"/blog/bankruptcy/\" rel=\"noreferrer noopener\">rebuilding your credit after a Bankruptcy or Consumer Proposal\u003C/a> is worrying you and preventing you from seeking relief from your debt problems, don’t let this stop you. We’re here to help! Our R-Plan will not only explain the important factors that go into rebuilding your credit score in a very short time span, but also how to use credit effectively without impacting your budget.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph {\"align\":\"left\"} -->\r\n\u003Cp>Would you like to learn how to rebuild your credit score and get out of debt? Schedule a free, no-obligation consultation with one of our debt reflief professionals, and learn about the \u003Ca href=\"/contact-us/\">quickest ways YOU can get of debt and rebuild your credit score\u003C/a>!\u003C/p>\r\n\u003C!-- /wp:paragraph -->","Steps to Rebuild Your Credit After Filing For Bankruptcy","rebuild-credit-after-bankruptcy","2025-01-10 07:41:02","2025-01-10 12:41:02","https://www.farber.ca/blog/rebuild-credit-after-bankruptcy-2/",{"ID":374,"post_author":39,"post_date":375,"post_date_gmt":376,"post_content":377,"post_title":378,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":379,"to_ping":38,"pinged":38,"post_modified":380,"post_modified_gmt":381,"post_content_filtered":38,"post_parent":45,"guid":382,"menu_order":45,"post_type":352,"post_mime_type":38,"comment_count":335,"filter":336},2496,"2015-09-09 22:49:14","2015-09-10 02:49:14","\u003C!-- wp:paragraph -->\r\n\u003Cp>Death and taxes are, some pundits have been known to say, the two certainties in life. And the death of a loved one is especially traumatic. The loss of a family member is hard enough but when that person passes away with sizable debt the trauma can become exceedingly difficult to deal with.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>Luckily, the BIA (the Bankruptcy and Insolvency Act) has taken this difficult scenario into account and there are procedures in place to help grieving relatives when a debtor passes on. I remember a recent situation where a family called us looking for help and assistance after a parent had passed away. They did not know what to do. Many creditors (the companies the deceased owed money to) were trying to collect the money that was owed to them from the estate, which did not have enough assets to pay the debts in full. The creditors were making demands and putting pressure on the executor (the person entrusted by the deceased to oversee the paperwork surrounding that person’s property) of the estate.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>We explained to the executor that he must first go to the bankruptcy court to get an order for the estate to be assigned into bankruptcy. This procedure is like when a living person files for bankruptcy protection. Once the bankruptcy petition was accepted by the court, we would be able to help guide them through this process.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>The executor of the estate realized that there were not enough assets in the deceased’s estate to pay each creditor fairly, and that the best option would be to assign the estate into bankruptcy so the creditors would each get their fair share of the assets. Any leftover assets (such as money in a bank account) owing to the creditors would be taken care of in the bankruptcy.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>This solution gave the children of the deceased peace of mind and allowed them to grieve properly without having to worry about collection agencies or creditors harassing them or the executor of the estate.\u003C/p>\r\n\u003C!-- /wp:paragraph -->\r\n\r\n\u003C!-- wp:paragraph -->\r\n\u003Cp>If you have found yourself in a similar situation and need help, please do not hesitate to reach out to our Licensed Insolvency Trustees. We will review the situation and give you advice on how you might want to proceed. If you’d like to meet with one of our professionals, just click the FREE CONSULTATION button, below, or give us a call today. We are here to help you!\u003C/p>\r\n\u003C!-- /wp:paragraph -->","Is It Possible for an Estate to File for Bankruptcy?","can-an-estate-file-bankruptcy","2025-01-10 07:22:58","2025-01-10 12:22:58","https://www.farber.ca/blog/deciding-on-bankruptcy-for-a-deceased-persons-estate/",{"fieldGroupName":384,"introduction":385,"type":388,"accordions":20,"faqs":389,"button":440,"enableSeoSchema":20,"anchorId":443},"FaqAccordion",{"supertitle":38,"heading":386,"text":387},"FAQ","Vous trouverez les réponses aux questions les plus fréquemment posées sur les solutions d’allègement de la dette, la terminologie de la dette, la budgétisation et plus encore.","faq",[390,400,410,420,430],{"ID":391,"post_author":39,"post_date":392,"post_date_gmt":393,"post_content":394,"post_title":395,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":396,"to_ping":38,"pinged":38,"post_modified":397,"post_modified_gmt":398,"post_content_filtered":38,"post_parent":45,"guid":399,"menu_order":45,"post_type":388,"post_mime_type":38,"comment_count":335,"filter":336},5421,"2024-06-18 21:59:40","2024-06-19 01:59:40","Si vous déclarez faillite, vos créanciers ne peuvent pas intenter de poursuites judiciaires contre vous. Ils ne peuvent pas vous poursuivre en justice, prélever de l'argent sur votre salaire ni vous appeler sans cesse pour vous demander de payer.","Qu’est-ce qui se passera si je déclare faillite ?","quest-ce-qui-se-passera-si-je-declare-faillite","2025-12-01 12:44:07","2025-12-01 17:44:07","/?post_type=faq&p=5421",{"ID":401,"post_author":39,"post_date":402,"post_date_gmt":403,"post_content":404,"post_title":405,"post_excerpt":38,"post_status":10,"comment_status":329,"ping_status":329,"post_password":38,"post_name":406,"to_ping":38,"pinged":38,"post_modified":407,"post_modified_gmt":408,"post_content_filtered":38,"post_parent":45,"guid":409,"menu_order":45,"post_type":388,"post_mime_type":38,"comment_count":335,"filter":336},5422,"2024-06-18 22:00:24","2024-06-19 02:00:24","En cas de faillite, vous devez céder vos biens au SAI au profit de vos créanciers. Cependant, vous ne perdrez pas tout en déclarant faillite.\r\n\r\nIl y a certaines exemptions selon la province où vous demeurez. 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