INSOLVENCY ANALYSIS FOR ALL

I. PROFESSIONALS

Expert analysis on professional collaboration for lawyers, accountants, mortgage brokers, realtors, financial advisors, and other professionals serving clients under financial stress.

Group of professionals around a table assembling puzzle pieces, symbolizing collaboration among lawyers, accountants, mortgage brokers, realtors, and other insolvency specialists working with clients in financial stress.

II. BUSINESSES

A roadmap for Canadian small and medium business owners facing financial challenges and identifying opportunities to rebuild or transition with confidence.

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III. INDIVIDUALS

Practical strategies for individuals and families in Canada looking to regain control of their finances and take confident steps toward a brighter, debt-free future.

Illustration of licensed insolvency trustee cutting the string on a balloon with the word 'debt' on it, symbolizing an LIT providing personal debt solutions in the form of bankruptcy or consumer proposal

Businessman in a small boat facing an iceberg labeled ‘debt’ symbolizing hidden risk of unregulated debt consultants to Canadian insolvency. A comparative look at regulatory approaches by the UK and Australia regarding debt consultants, with implications for Canada

INSOLVENCY FOR PROFESSIONALS

Canadian Professionals’ Guide to Debt Consultant Hazards: Lessons from The UK And Australia

What you don’t see can sink you. Discover how unregulated debt consultants threaten the independence and integrity of Canada’s insolvency system, drawing on lessons from the UK and Australia. Explore key regulatory principles and real-world cases shaping the future of insolvency. A must-read for professionals supporting clients through complex debt challenges.

BY PAUL FRANCHI, J.D., MBA, CIRP, LIT

Canadian bills representing finances at risk, illustrating the topic of CRA garnishments and bank account freezes in Canada.

How to Stop CRA Garnishments and Bank Freezes

Frozen accounts or CRA garnishments don’t have to devastate your business. Learn how structured insolvency options can stop collections, protect your assets, and help you regain control of your finances.

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GST/HST Debt Solutions for Canadian Business Owners

Canadian business owners: learn how a consumer proposal or bankruptcy can help fix overwhelming GST/HST debt before it threatens your livelihood.

NAVIGATING CANADIAN DEBT RELIEF

Illustrating an open door with a bright path forward, how a consumer proposal can help Canadians reduce debt payments and regain control of their finances.

PERSONAL DEBT RELIEF

whether a Consumer Proposal Can Actually Lower Payments

Canadian debt relief isn’t one-size-fits-all. See how a Consumer Proposal can make payments affordable, protect assets, and give Canadians a clear path forward.

Two professionals pushing a boulder labeled ‘debt’ uphill, symbolizing collaboration between licensed insolvency trustees and other professionals in the management of assertive private lenders and creditor-inspector issues under s.116(2) BIA.

INSOLVENCY FOR PROFESSIONALS

Managing Assertive Private Lenders under s.116(2) BIA

When private lenders push back, real estate deals can stall. Discover practical strategies licensed insolvency trustees can use to resolve conflicts under s.116(2).

A woman, business owner, looking up at several lightbulbs, one illuminated, symbolizing insight and solutions for managing GST/HST debt through proposals or bankruptcy for Canadian businesses.

BUSINESS DEBT SOLUTIONS

When Corporate Debt Becomes Personal for Business Directors

Facing personal tax debt as a business director? Learn how strategic insolvency options can effectively halt CRA collection efforts in its tracks.

Licensed insolvency trustee LIT providing debt relief to individuals, families, and business owners in Canada

PERSONAL DEBT RELIEF

Your First Meeting With A Licensed Insolvency Trustee

Take control of your debt—see how a Licensed Insolvency Trustee can put a stop to constant phone calls and demanding emails from creditors.

FINANCIAL ANATOMY OF INSOLVENCY

House on top of a steep cliff, symbolizing challenges with aggressive private lenders and creditor-inspector rules in Canadian real estate insolvencies

INSOLVENCY FOR PROFESSIONALS

WHEN CREDITORS CLASH: s.116(2) IN REAL ESTATE INSOLVENCIES

Residential real estate insolvencies often present precarious challenges when assertive residential private lenders push claims, fees, or valuations that complicate administration. This article provides a clear framework for applying s.116(2) BIA to disqualify conflicted creditors and safeguard impartial administration.

BY PAUL FRANCHI, J.D., MBA, CIRP, LIT

COMING SOON

THE LATEST

Businesswoman reading The Insolvency Report insolvencyreport.ca by licensed insolvency trustee LIT Paul Franchi, representing Canadian small and medium business owners under financial strain from GST HST debt and looking for solutions in insolvency

GST/HST DEBT IN PROPOSALS AND BANKRUPTCIES

BUSINESS DEBT SOLUTIONS

Canadian business owners: discover how a consumer proposal or bankruptcy can address GST/HST debt and protect your livelihood from financial collapse.

Businessman holding a globe, representing debt consultant insights for Canadian lawyers, accountants, mortgage brokers, LITs and realtors assisting clients in financial strain

DEBT CONSULTANTS: INSIGHTS FOR CANADA FROM THE UK & AUSTRALIA

INSOLVENCY FOR PROFESSIONALS

Unregulated debt consultants threaten the integrity of Canada’s insolvency system, with important regulatory lessons from the UK and Australia.

Silhouette of a man holding a blue umbrella, standing firm and facing a storm, symbolizing challenges to face in residential insolvency

WEATHERING THE STORM OF PRIVATE LENDERS IN RESIDENTIAL INSOLVENCY

INSOLVENCY FOR PROFESSIONALS

This article outlines how s.116(2) BIA protects impartial administration when aggressive private lenders complicate real estate insolvency proceedings.

Canadian flag representing help for Canadian businesses facing CRA garnishments and bank account freezes due to tax debt

STOPPING CRA GARNISHMENTS AND BANK FREEZES

BUSINESS DEBT SOLUTIONS

Frozen accounts or CRA garnishments don’t have to destroy your business. Discover how insolvency options can stop collections, protect assets, and help you regain control of your finances.

Paul Franchi is a Licensed Insolvency Trustee across the province of Ontario, based in Toronto and the GTA, and a former practising lawyer who is a current member of the Ontario Law Society. With 15 years of experience in the Wall Street financial sector, he combines expertise in insolvency, law, and finance to provide a unique perspective on insolvency in Canada. Paul is the author and editor of The Insolvency Report.

PAUL J. FRANCHI, J.D., MBA, CIRP, LIT

Paul Franchi is a Licensed Insolvency Trustee based in Toronto and the Greater Toronto Area, practising across Ontario. He is a member of the Law Society of Ontario and a former practising lawyer. With over 15 years of experience in New York City’s finance sector, he combines expertise in insolvency, law, and finance to provide analysis on Canadian insolvency matters. Paul is the author and editor of The Insolvency Report.

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In-depth analysis of complex debt situations, provided by a Licensed Insolvency Trustee, a current member of the Ontario Law Society and former practising lawyer, and a Wall Street finance veteran. This newsletter offers a unique perspective on Canadian insolvency.

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