OSB Helper

Office of the Superintendent of Bankruptcy agent


Answers provided by the OSB Helper are automatically generated by scanning the Bankruptcy and Insolvency Act and related directives from the [Office of the Superintendent of Bankruptcy] (/articles/debt-actors/office-of-superintendent-of-bankruptcy-osb/).

If you have any questions about the OSB Helper, contact us, we’re happy to chat.








What is the minimum amount to file bankruptcies?

What is the minimum amount to file bankruptcies?

personal bankruptcy
Discover the bankruptcy threshold in Canada! Learn about insolvency guidelines and how debt affects your options. Find out more and get the help you need!
What happens when you file bankruptcy? DEBT INSIDERS

What happens when you file bankruptcy?

personal bankruptcy
Discover what happens after you file for bankruptcy in Canada. Learn about the bankruptcy process, the role of an Insolvency Trustee, and key prereqs. Read now!
Can a collection agency garnish my wages? DEBT INSIDERS

Can a collection agency garnish my wages?

debt management plan
Discover if a collection agency can garnish your wages in Canada. Learn about the process, exemptions, and how much they can take. Read now for essential info!
What percentage should I offer to settle debt? DEBT INSIDERS

What percentage should I offer to settle debt?

debt settlement
Discover what % you should offer for debt settlement in Canada. Learn about factors influencing settlement percentage & how to negotiate effectively. Read now!
What credit score for consolidation loan? DEBT INSIDERS

What credit score for consolidation loan?

debt consolidation
Wondering about credit score requirements for a debt consolidation loan in Canada? Discover what you need to qualify and how to secure the best rates. Read now!
What's better bankruptcy or debt settlement? DEBT INSIDERS

What's better bankruptcy or debt settlement?

debt settlement
Struggling with debt? Explore the pros and cons of bankruptcy vs. debt settlement. Learn how to protect your assets and make the best choice for you. Read now!
Is a consumer proposal worth it? DEBT INSIDERS

Is a consumer proposal worth it?

consumer proposal
For many it is worht it. Find how this debt relief option helps you keep assets and shield against creditors. Learn more about your financial choices now!
What do you lose when you declare bankruptcy? DEBT INSIDERS

What do you lose when you declare bankruptcy?

personal bankruptcy
List of things you lose when declaring bankruptcy in Canada. Learn about non-exempt assets and how they affect your belongings. Read to make informed decisions!
How long can a collection stay on your credit report?

How long can a collection stay on your credit report?

credit rebuilding
Find out about collection stay on your credit report in Canada. Learn about credit report duration, collection impact, and smart payment strategies. Read now!
How long does a consumer proposal affect your credit?

How long does a consumer proposal affect your credit?

consumer proposal
Discover how long a consumer proposal affects your credit in Canada. Learn about the R7 credit rating and steps to rebuild your score. Read now!