THE LIGHT IS ON
About Paul Franchi, J.D., MBA, CIRP, LIT, Licensed Insolvency Trustee
Paul Franchi is a Licensed Insolvency Trustee with Bromwich+Smith (BSI), working with individuals and businesses across Canada. His background combines legal practice with seventeen years on Wall Street in investment management, product development and finance. He brings that experience to the financial decisions facing people in debt and the professionals who advise them.
If you would like to talk about your situation, call Paul at 647-492-9283.
Paul holds a Juris Doctor from Osgoode Hall Law School and an MBA from the Ivey Business School at Western University, together with the CIRP designation and LIT qualification. He is a member of the Law Society of Ontario and a former practising lawyer. He now works as a Licensed Insolvency Trustee and does not practise law.
Paul is a federally regulated insolvency professional licensed by the Office of the Superintendent of Bankruptcy (OSB) in Canada, listed in the official LIT registry.
Paul is the publisher and editor-in-chief of The Insolvency Report, an independent publication for Canadians facing debt decisions and the professionals who advise them. His writing has appeared in Insolvency Insider and Advisor Perspectives. His legal and financial background informs his insolvency work and his analysis of the pressures affecting households and businesses.
THOUGHT LEADERSHIP & MULTI-INDUSTRY COMMENTARY
Insolvency Insider
Paul’s work has been featured in leading industry publications, including Insolvency Insider, Advisor Perspectives, and other platforms where legal, financial, and macroeconomic issues intersect.
- December 22, 2023 — Furniture Retailers and Declining Ontario Home Sales
Analysis of how weakening home-sale volumes and rising interest rates are driving retail insolvencies and secured-creditor stress. - January 19, 2024 — Pre-Construction Real Estate Deal Blow-Ups
A detailed examination of purchaser defaults, assignment-market failures, private-lender escalation, and emerging risks in Ontario’s pre-construction sector.
RESEARCH ON GLOBAL MACRO TRENDS & FINANCIAL BEHAVIOUR
Paul’s Wall Street career covered investment management, product development and finance. His published research has examined demographics, liquidity cycles and monetary policy.
Advisor Perspectives Magazine
- January 15, 2013 — Demographics and the Decline of Equity Mutual Funds
How demographic shifts reshape investor behaviour and long-term savings patterns. - April 2, 2013 — Bernanke’s Motives Behind Quantitative Easing
A structural interpretation of unconventional monetary policy—highly relevant to today’s interest-rate environment and household leverage. - May 7, 2013 — Mutual Fund Companies Need to Prepare for a Changing Environment
Forecasting industry turbulence and shifts in capital-market liquidity.
These macroeconomic insights now inform Paul’s insolvency work, particularly in understanding the systemic causes of consumer financial distress and the evolving real-estate and credit landscape.
EARLY LEGAL CAREER & APPELLATE ADVOCACY
Paul began his career as a litigation lawyer and appeared before appellate courts in two significant decisions that continue to be cited today.
- Wunsche v. Wunsche (Court of Appeal for Ontario, 1994)
This decision clarified the admissibility of expert valuation evidence at trial—experience Paul now applies when assessing debtor assets, equity positions, and valuation disputes in insolvency estates. - Grossi v. Bates (Ontario Divisional Court, 1995)
A seminal ruling that reshaped the threshold test for pain-and-suffering claims in motor-vehicle litigation. The case demonstrates Paul’s capacity for statutory interpretation and appellate-level advocacy.
This litigation foundation strengthens Paul’s work in disputes involving secured creditors, inspectors, surplus-income objections, and contentious estate administration issues.
LAW, FINANCE AND INSOLVENCY PRACTICE
Paul’s insolvency practice today includes:
His combined background in law, finance, and macroeconomic research allows him to provide a deeper, data-driven perspective on insolvency in Canada.
THE LIGHT IS ON—MORE THAN A SLOGAN
A slogan is more than words—it should reflect the values behind your work.
The light is on because I believe every Canadian deserves clear, independent guidance—not sales pressure or vague promises. As a Licensed Insolvency Trustee, my job is to explain every available option, answer your questions honestly, and show you the reasoning behind my recommendations. That includes showing you the trustee’s math behind the numbers. My goal is simple: to give you the information you need to make an informed decision with confidence.
When you’re ready to see your debt options clearly, the light is on.
GET IN TOUCH WITH PAUL