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When should I declare bankruptcy?
If you have a large debt that cannot be managed, you may consider filing for bankruptcy.

To find out if now is a good time to file for bankruptcy, start by meeting with a licensed insolvency trustee.
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The SAI will assist you in assessing your financial situation. This person will present your options and assess whether bankruptcy is the right solution for your financial situation.

The SAI will explain to you what bankruptcy procedures consist of. Although there are advantages if you are unable to pay your debts, there are also disadvantages.

For example, declaring bankruptcy involves costs. In addition, bankruptcy will damage your credit rating and will remain on your file for six years.
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