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The Insolvency Report
  • Consumer ProposalsExpand
    • What a proposal is
    • Versus bankruptcy
    • The payment
    • The consequences
    • Your credit
    • Cancel or change
    • Tax refunds
    • Mortgages
    • TOOL: Years to Pay Off Debt
    • TOOL: Monthly Payment Amount
    • The process
    • Second proposals
    • Small business
    • Division 1
    • Debt and immigration
  • Mortgage Trouble
  • Business Debt
  • Papers
  • About
  • Contact
The Insolvency Report

Mortgage Trouble Centre

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I’m looking for help with my mortgage I’m a mortgage broker I want to explore consumer proposals

Paul Franchi has been featured in

  • Canadian Mortgage Broker (CMBA)Paul Franchi's article, Summer 2026: When the borrower fails: a Licensed Insolvency Trustee reads your file
  • Canadian Mortgage ProfessionalInterview with Paul Franchi, September 2026: When a condo closing reveals a much deeper debt crisis
  • Insolvency InsiderFeaturing Paul Franchi and Jeremy Kroll's analysis, January 2024: Pre-Construction Real Estate Deal Blow-Ups
The logo for The Insolvency Report Canada written by a Licensed Insolvency Trustee LIT
  • TERMS
  • PRIVACY
  • EDITORIAL
  • ABOUT
  • CONTACT

Paul Franchi is a Licensed Insolvency Trustee with Bromwich+Smith (BSI), working with individuals and businesses across Canada. He is licensed by the Office of the Superintendent of Bankruptcy Canada. He holds a law degree and is a member of the Law Society of Ontario; however, he does not currently practise law and instead focuses on his role as Trustee. The views expressed on this website are Paul Franchi’s independent views and are for informational purposes only. Paul Franchi does not provide legal advice, and use of this website does not establish a trustee/debtor or lawyer-client relationship.

© 2026 The Insolvency Report

A publication of Yes Healthier Inc.

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  • Consumer Proposals
    • What a proposal is
    • Versus bankruptcy
    • The payment
    • The consequences
    • Your credit
    • Cancel or change
    • Tax refunds
    • Mortgages
    • TOOL: Years to Pay Off Debt
    • TOOL: Monthly Payment Amount
    • The process
    • Second proposals
    • Small business
    • Division 1
    • Debt and immigration
  • Mortgage Trouble
  • Business Debt
  • Papers
  • About
  • Contact
Insolvency Report Canada Flavicon - Black with transparent background - Written by a Licensed Insolvency Trustee LIT
  • HOME +
  • FOR PROFESSIONALS +
  • FOR BUSINESSES +
  • FOR INDIVIDUALS +
  • CONSUMER PROPOSALS +
    • WHAT A PROPOSAL IS
    • VERSUS BANKRUPTCY
    • THE PAYMENT
    • THE CONSEQUENCES
    • YOUR CREDIT
    • CANCEL OR CHANGE
    • TAX REFUNDS
    • MORTGAGES
    • TOOL: YEARS TO PAY OFF DEBT
    • TOOL: MONTHLY PAYMENT AMOUNT
    • THE PROCESS
    • SECOND PROPOSALS
    • SMALL BUSINESS
    • DIVISION 1
    • DEBT & IMMIGRATION
  • MORTGAGE TROUBLE +
    • POWER OF SALE IN ONTARIO
    • BEHIND ON YOUR MORTGAGE
    • RENEWAL DENIED OR UNAFFORDABLE
    • SELLING WITH DEBT
    • THE CONDO THAT NO LONGER PAYS
    • HOUSE POOR
    • THE LENDER’S BILL
    • FOR MORTGAGE BROKERS
  • THE PAPERS +
  • NEWSLETTER +
  • ABOUT +
  • CONTACT +