Toronto Debt Solutions

CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls.​​ In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life​​ Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026​​ How a K‑shaped economy is widening the gap between asset‑rich Canadians and thos...

THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls.​​ In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life​​ Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026​​ How a K‑shaped economy is widening the gap between asset‑rich Canadians and those struggling with debt and shrinking savings​​ Practical steps to lower your DTI, rebu...

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FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA THIS BLOG GOES LIVE ON MONDAY, DECEMBER 15, 2025, AT NOON - WATCH THE VIDEO NOW! FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA Do you feel trapped by credit card debt, collection calls, or payday loans and wonder if a legal “fresh start” is even possible in Canada? In this video, avatar Ira Smith, Licensed Insolvency Trustee, explains how a consumer proposal and a personal bankruptcy work under Canada’s Bankruptcy and Insolvency Act, so you can choose the right fresh start for your situation.​​ You will learn: The warning signs your debt is no longer manageable and it is time to get professional help.​ The key differences between a consumer proposal and bankruptcy, including how much debt can be erased, what happens to your house, car, and other assets, and how creditor protection works.​​ How a Licensed Insolvency Trustee (the only professional in Canada legally authorized to file consumer proposals a...

THIS BLOG GOES LIVE ON MONDAY, DECEMBER 15, 2025, AT NOON - WATCH THE VIDEO NOW! FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA Do you feel trapped by credit card debt, collection calls, or payday loans and wonder if a legal “fresh start” is even possible in Canada? In this video, avatar Ira Smith, Licensed Insolvency Trustee, explains how a consumer proposal and a personal bankruptcy work under Canada’s Bankruptcy and Insolvency Act, so you can choose the right fresh start for your situation.​​ You will learn: The warning signs your debt is no longer manageable and it is time to get professional help.​ The key differences between a consumer proposal and bankruptcy, including how much debt can be erased, what happens to your house, car, and other assets, and how creditor protection works.​​ How a Licensed Insolvency Trustee (the only professional in Canada legally authorized to file consumer proposals and bankruptcies) guides you from your first confidential consultat...

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