{"id":1363,"date":"2020-01-17T13:12:55","date_gmt":"2020-01-17T13:12:55","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=1363"},"modified":"2024-06-21T10:04:25","modified_gmt":"2024-06-21T14:04:25","slug":"debt-ratio","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/debt-ratio\/","title":{"rendered":"Debt ratio"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1363\" class=\"elementor elementor-1363 elementor-688\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-369b5af8 elementor-section-stretched elementor-section-height-min-height elementor-section-items-bottom elementor-section-content-middle no-pad banner-gradient-page banner-page elementor-section-boxed elementor-section-height-default\" data-id=\"369b5af8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-42d44d8b hero_text_fix\" data-id=\"42d44d8b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-572e342c elementor-widget elementor-widget-text-editor\" data-id=\"572e342c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Debt ratio<\/h1>\n<p class=\"acs\">We resolve. You restart.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-52d79717 hero_image_fix hero_image_fix_no_gradient\" data-id=\"52d79717\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-226b164d dce_masking-none elementor-widget elementor-widget-image\" data-id=\"226b164d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"761\" height=\"600\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2024\/06\/Particulier-Analysez-votre-situation-Le-ratio-dendettement-2.png\" class=\"attachment-full size-full wp-image-38718\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2024\/06\/Particulier-Analysez-votre-situation-Le-ratio-dendettement-2.png 761w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2024\/06\/Particulier-Analysez-votre-situation-Le-ratio-dendettement-2-300x237.png 300w\" sizes=\"(max-width: 761px) 100vw, 761px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e790158 newdesign-bgdark newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e790158\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-849ad59\" data-id=\"849ad59\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3b3cb6 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"d3b3cb6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>What is the debt-to-income ratio?<\/h2><p>The debt-to-income ratio, or debt ratio, is a unit of measure that allows you to compare income before taxes with total debt. This information is particularly useful when you plan to ask for a loan from a financial institution. The institution will interpret your debt ratio as an indicator of your current financial status and your capacity to pay back the loan. Depending on your debt level, it may approve or refuse the loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-377f337 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"377f337\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c7e8adc\" data-id=\"c7e8adc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf57d1f newdesign-darktext elementor-widget elementor-widget-text-editor\" data-id=\"bf57d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>How to calculate your debt ratio?<\/h2><p>You need to calculate the total amount of your monthly payments in relation to your gross monthly income. The following table will help you calculate your debt ratio accurately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b0ebff newdesign-formulaire newdesign-formulaire-withtitle elementor-widget elementor-widget-shortcode\" data-id=\"8b0ebff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n\/* ]]> *\/\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework ratio-form_wrapper' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_13' ><div id='gf_13' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_13' id='gform_13' class='ratio-form' action='\/en\/wp-json\/wp\/v2\/pages\/1363#gf_13' data-formid='13' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LeRfrQoAAAAAJ544NJ-V27buktqjXp5ZoqSoDs7' data-tabindex='0'><input id=\"input_2581bcd571aec2f3f1c41c4964174506\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_2581bcd571aec2f3f1c41c4964174506\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><ul id='gform_fields_13' class='gform_fields top_label form_sublabel_below description_below validation_below'><li id=\"field_13_40\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below 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class='ginput_container ginput_container_select'><select name='input_6' id='input_13_6' class='medium gfield_select'     aria-invalid=\"false\" ><option value='Mr.' >Mr.<\/option><option value='Mrs.' >Mrs.<\/option><\/select><\/div><\/li><li id=\"field_13_8\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_8'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_13_8' type='text' value='' class='medium'    placeholder='First Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_13_10\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_10'>Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_13_10' type='text' value='' class='medium'    placeholder='Last Name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_13_9\" class=\"gfield gfield--type-phone gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_9'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_9' id='input_13_9' type='tel' value='' class='large'  placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_13_12\" class=\"gfield gfield--type-email gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_12'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_12' id='input_13_12' type='email' value='' class='medium'   placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_13_7\" class=\"gfield gfield--type-text gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_7'>City<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_13_7' type='text' value='' class='large'    placeholder='City *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_13_13\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Income\n<span class=\"arrow\"><\/span><\/li><li id=\"field_13_14\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Gross monthly income (before deductions)<\/li><li id=\"field_13_15\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_15'>Gross monthly income (before deductions)<\/label><div class='ginput_container ginput_container_number'><input name='input_15' id='input_13_15' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_16\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Other monthly income<\/li><li id=\"field_13_17\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_17'>Other monthly income<\/label><div class='ginput_container ginput_container_number'><input name='input_17' id='input_13_17' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_21\" class=\"gfield gfield--type-html filed-label total gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly income total<\/li><li id=\"field_13_19\" class=\"gfield gfield--type-number filed-number gf_right_half gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_19'>Monthly income total<\/label><div class='ginput_container ginput_container_number'><input name='input_19' id='input_13_19' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_20\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Debt payments\n<span class=\"arrow\"><\/span><\/li><li id=\"field_13_23\" class=\"gfield gfield--type-html filed-label gf_left_half lh pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly mortgage payment<br> \n<span class=\"small-txt\">(including taxes and insurance)<\/span><\/li><li id=\"field_13_22\" class=\"gfield gfield--type-number filed-number gf_right_half ht field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_22'>Monthly mortgage payment<\/label><div class='ginput_container ginput_container_number'><input name='input_22' id='input_13_22' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_24\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Auto loan monthly payment<\/li><li id=\"field_13_35\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_35'>Auto loan monthly payment<\/label><div class='ginput_container ginput_container_number'><input name='input_35' id='input_13_35' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_27\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly credit card bills<\/li><li id=\"field_13_34\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_34'>Monthly credit card bills<\/label><div class='ginput_container ginput_container_number'><input name='input_34' id='input_13_34' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_30\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Personal loan payment<\/li><li id=\"field_13_33\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_33'>Personal loan payment<\/label><div class='ginput_container ginput_container_number'><input name='input_33' id='input_13_33' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_28\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Student loan payment<\/li><li id=\"field_13_32\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_32'>Student loan payment<\/label><div class='ginput_container ginput_container_number'><input name='input_32' id='input_13_32' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_29\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Child support and alimony payment<\/li><li id=\"field_13_31\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_31'>Child support and alimony payment<\/label><div class='ginput_container ginput_container_number'><input name='input_31' id='input_13_31' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_26\" class=\"gfield gfield--type-html filed-label gf_left_half lh pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Other monthly debt payments<br> \n<span class=\"small-txt\">(e.g. cottage, motorcycle, household appliances)<\/span><\/li><li id=\"field_13_37\" class=\"gfield gfield--type-number filed-number gf_right_half ht field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_37'>Other monthly debt payments<\/label><div class='ginput_container ginput_container_number'><input name='input_37' id='input_13_37' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_18\" class=\"gfield gfield--type-html filed-label total gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Total monthly debt payments<\/li><li id=\"field_13_36\" class=\"gfield gfield--type-number filed-number gf_right_half gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_36'>Total monthly debt payments<\/label><div class='ginput_container ginput_container_number'><input name='input_36' id='input_13_36' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_13_39\" class=\"gfield gfield--type-html filed-label gf_left_half no-back pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Debt ratio:<\/li><li id=\"field_13_38\" class=\"gfield gfield--type-number filed-number gf_right_half prc gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_13_38'>Debt ratio:<\/label><div class='ginput_container ginput_container_number'><input name='input_38' id='input_13_38' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_13' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=13&amp;title=&amp;description=&amp;tabindex=49&amp;theme=legacy&amp;styles=[]&amp;hash=949cbf998f0ace910f2e2e35bd252498' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_13' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_13' id='gform_theme_13' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_13' id='gform_style_settings_13' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_13' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='13' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='Dm\/cAPompyrVb+MIQXANLeDHLjnijzW7MvWsZzJAg0pobRhLTSYcwBjZHWJOxHCQEdljynDg7JhUcIw2KWHtrpk2nq8lFi8DjELvQiB2+c9vTh4=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_13' value='WyJbXSIsIjQzZjI1ZTQ1NjkyNzA3OTIxOTgxYjgzYTExNzI2MjUwIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_13' id='gform_target_page_number_13' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_13' id='gform_source_page_number_13' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <input type=\"hidden\" id=\"ct_checkjs_aeb3135b436aa55373822c010763dd54\" name=\"ct_checkjs\" value=\"0\" \/><script >setTimeout(function(){var ct_input_name = \"ct_checkjs_aeb3135b436aa55373822c010763dd54\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '492caf6a6069e3db7cfa08a7ff6a2e5ddc54f801286abbacebbd7dfe1e21f8b1');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__gravity_form\"\n                    name=\"apbct__email_id__gravity_form\"\n                    aria-label=\"apbct__label_id__gravity_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_13' id='gform_ajax_frame_13' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 13, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery('#gform_ajax_frame_13').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_13');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_13').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_13').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_13').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_13').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_13').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_13').val();gformInitSpinner( 13, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery(document).trigger('gform_page_loaded', [13, current_page]);window['gf_submitting_13'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_13').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_13').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [13]);window['gf_submitting_13'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_13').text());}else{jQuery('#gform_13').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"13\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_13\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_13\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_13\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 13, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} ); \n\/* ]]> *\/\n<\/script>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b062b8d newdesign-darktext-small elementor-widget elementor-widget-text-editor\" data-id=\"b062b8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cIf your debt ratio is greater than 40% or near that level, it is recommended to consult a Ginsberg Gingras professional.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71b1bcf newdesign-bgdark newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71b1bcf\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-07e7227\" data-id=\"07e7227\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70019a0 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"70019a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Interpreting your debt ratio<\/h2><p>\u00a0<\/p><p>The following table will help you interpret your debt-to-income ratio:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2cdaf0b newdesign-listfull elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cdaf0b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f231215\" data-id=\"f231215\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94fd249 elementor-widget elementor-widget-text-editor\" data-id=\"94fd249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Excellent<\/strong> : Debt ratio below 30%<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-eafc0f1\" data-id=\"eafc0f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c98f1b6 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"c98f1b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"30\" viewBox=\"0 0 35 30\" fill=\"none\">\n  <path d=\"M12.7215 4.73682C16.2358 4.73682 19.0822 7.56313 19.0822 11.0526C19.0822 14.5421 16.2358 17.3684 12.7215 17.3684C9.20715 17.3684 6.36072 14.5421 6.36072 11.0526C6.36072 7.56313 9.20715 4.73682 12.7215 4.73682Z\" fill=\"#9CFC4D\"><\/path>\n  <path d=\"M12.7215 20.5264C16.9673 20.5264 25.443 22.6422 25.443 26.8422V30.0001H0V26.8422C0 22.6422 8.47569 20.5264 12.7215 20.5264Z\" fill=\"#9CFC4D\"><\/path>\n  <path d=\"M25.0613 5.30518C28.2735 8.77886 28.2735 13.5946 25.0613 16.7841L22.3898 14.1157C23.7255 12.2525 23.7255 9.83675 22.3898 7.9736L25.0613 5.30518Z\" fill=\"#9CFC4D\"><\/path>\n  <path d=\"M30.3249 0C36.5743 6.39474 36.5266 15.9632 30.3249 22.1053L27.7329 19.5316C32.1377 14.5105 32.1377 7.3421 27.7329 2.57368L30.3249 0Z\" fill=\"#9CFC4D\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dd8a2ff newdesign-listfull elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd8a2ff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b624374\" data-id=\"b624374\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a9fd88 elementor-widget elementor-widget-text-editor\" data-id=\"2a9fd88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<strong>Good<\/strong> : Debt ratio between 30% et 36%.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e7e0c2f\" data-id=\"e7e0c2f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a670ea elementor-widget elementor-widget-jet-inline-svg\" data-id=\"9a670ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"36\" viewBox=\"0 0 36 36\" fill=\"none\">\n  <path d=\"M16.6732 6.56933H22.1534L28.1633 0.547431C28.8757 -0.164248 30.0265 -0.164248 30.739 0.547431L35.4519 5.29196C36.1643 6.00364 36.1643 7.15327 35.4519 7.86495L31.2687 12.062H16.6732V15.7117C16.6732 16.7153 15.8512 17.5365 14.8465 17.5365C13.8418 17.5365 13.0198 16.7153 13.0198 15.7117V10.2372C13.0198 8.22991 14.6638 6.58758 16.6732 6.58758M5.71287 15.6934V22.9927L1.52968 27.1715C0.817256 27.8832 0.817256 29.0328 1.52968 29.7445L6.24262 34.4708C6.95504 35.1825 8.10588 35.1825 8.8183 34.4708L16.6549 26.6241H23.9618C24.9665 26.6241 25.7885 25.8029 25.7885 24.7993V22.9744H27.6153C28.62 22.9744 29.442 22.1533 29.442 21.1496V19.3248H31.2687C32.2734 19.3248 33.0954 18.5036 33.0954 17.5V15.6752H20.3084V17.5C20.3084 19.5073 18.6643 21.1496 16.6549 21.1496H13.0015C10.9921 21.1496 9.34805 19.5073 9.34805 17.5V12.0255L5.6946 15.6752L5.71287 15.6934Z\" fill=\"#9CFC4D\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e8e1ad2 newdesign-listfull  elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e8e1ad2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a03fdf\" data-id=\"8a03fdf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ad444b elementor-widget elementor-widget-text-editor\" data-id=\"3ad444b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Critical : Debt ratio between 37% and 40%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f7eca28\" data-id=\"f7eca28\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-171d95b elementor-widget elementor-widget-jet-inline-svg\" data-id=\"171d95b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"28\" viewBox=\"0 0 35 28\" fill=\"none\">\n  <path d=\"M0 0V21H18.0579C17.673 19.8275 17.498 18.655 17.498 17.5H6.9992C6.9992 15.575 5.44188 14 3.4996 14V7C5.44188 7 6.9992 5.4425 6.9992 3.5H24.4972C24.4972 5.4425 26.072 7 27.9968 7V7.105C29.1692 7.105 30.3415 7.315 31.4964 7.7V0H0ZM15.7482 5.25C12.7735 5.3025 10.4988 7.525 10.4988 10.5C10.4988 13.475 12.7735 15.645 15.7482 15.75C16.4131 15.75 17.0956 15.61 17.743 15.3475C18.2154 13.4225 19.0028 11.6025 20.9451 9.8175C20.7351 7.49 18.5304 5.1975 15.7482 5.25ZM27.9968 8.75L31.9339 12.6875L27.9968 16.625V14C24.7597 14 22.6424 17.43 24.0773 20.335L22.17 22.2425C19.0903 17.5875 22.4149 11.375 27.9968 11.375V8.75ZM27.9968 28L24.0598 24.0625L27.9968 20.125V22.75C31.2339 22.75 33.3512 19.32 31.9164 16.415L33.8236 14.5075C36.9033 19.1625 33.5787 25.375 27.9968 25.375V28Z\" fill=\"#9CFC4D\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e640a05 newdesign-listfull newdesign-listfull-last elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e640a05\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3b50c8c\" data-id=\"3b50c8c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bccad8 elementor-widget elementor-widget-text-editor\" data-id=\"1bccad8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Excessive debt : Debt ratio 40% or greater<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0b3dc65\" data-id=\"0b3dc65\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d3ebab8 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"d3ebab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"28\" viewBox=\"0 0 35 28\" fill=\"none\">\n  <path d=\"M0 0V21H18.0579C17.673 19.8275 17.498 18.655 17.498 17.5H6.9992C6.9992 15.575 5.44188 14 3.4996 14V7C5.44188 7 6.9992 5.4425 6.9992 3.5H24.4972C24.4972 5.4425 26.072 7 27.9968 7V7.105C29.1692 7.105 30.3415 7.315 31.4964 7.7V0H0ZM15.7482 5.25C12.7735 5.3025 10.4988 7.525 10.4988 10.5C10.4988 13.475 12.7735 15.645 15.7482 15.75C16.4131 15.75 17.0956 15.61 17.743 15.3475C18.2154 13.4225 19.0028 11.6025 20.9451 9.8175C20.7351 7.49 18.5304 5.1975 15.7482 5.25ZM27.9968 8.75L31.9339 12.6875L27.9968 16.625V14C24.7597 14 22.6424 17.43 24.0773 20.335L22.17 22.2425C19.0903 17.5875 22.4149 11.375 27.9968 11.375V8.75ZM27.9968 28L24.0598 24.0625L27.9968 20.125V22.75C31.2339 22.75 33.3512 19.32 31.9164 16.415L33.8236 14.5075C36.9033 19.1625 33.5787 25.375 27.9968 25.375V28Z\" fill=\"#9CFC4D\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f67d61a newdesign-paletext-small elementor-widget elementor-widget-text-editor\" data-id=\"f67d61a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"jupiter-tooltip-widget elementor-element elementor-element-862aabb width-txt-ss-bx elementor-widget elementor-widget-text-editor\" data-jupiter-tooltip-settings=\"{&quot;tooltip&quot;:&quot;false&quot;,&quot;tooltipDescription&quot;:&quot;This is Tooltip!&quot;,&quot;tooltipPlacement&quot;:&quot;top&quot;,&quot;tooltipArrow&quot;:true,&quot;xOffset&quot;:0,&quot;yOffset&quot;:0,&quot;tooltipAnimation&quot;:&quot;fade&quot;,&quot;tooltipTrigger&quot;:&quot;mouseenter&quot;,&quot;zIndex&quot;:999,&quot;customSelector&quot;:&quot;&quot;,&quot;delay&quot;:0}\" data-id=\"862aabb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>A 30% debt ratio is considered to be excellent. Once it reaches 40%, the debt ratio is considered risky and your capacity to repay debts could be compromised.<\/p><\/div><\/div><\/div><div class=\"jupiter-tooltip-widget elementor-element elementor-element-f3cf377 width-txt-ss-bx elementor-widget elementor-widget-text-editor\" data-jupiter-tooltip-settings=\"{&quot;tooltip&quot;:&quot;false&quot;,&quot;tooltipDescription&quot;:&quot;This is Tooltip!&quot;,&quot;tooltipPlacement&quot;:&quot;top&quot;,&quot;tooltipArrow&quot;:true,&quot;xOffset&quot;:0,&quot;yOffset&quot;:0,&quot;tooltipAnimation&quot;:&quot;fade&quot;,&quot;tooltipTrigger&quot;:&quot;mouseenter&quot;,&quot;zIndex&quot;:999,&quot;customSelector&quot;:&quot;&quot;,&quot;delay&quot;:0}\" data-id=\"f3cf377\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>If this is your situation, we strongly recommend you contact a Ginsberg Gingras professional. This meeting will be free and without any obligation on your part. Our objective is to provide you with help.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d16ba5b newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d16ba5b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2b430df\" data-id=\"2b430df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a61b00b elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a61b00b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6f41a3c\" data-id=\"6f41a3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd967ce elementor-widget elementor-widget-text-editor\" data-id=\"bd967ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Common questions about<br \/>over-indebtedness:<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a38709 newdesign-toggle elementor-widget elementor-widget-toggle\" data-id=\"9a38709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1611\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Why are debt ratios important?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1611\"><p>The debt ratio is a\u00a0<strong>good indicator<\/strong>\u00a0of financial status, in particular the use of credit. The lower the debt ratio, the better your capacity to pay back loans and control debt levels if something unforeseen arises. Conversely, a high debt-to-income level indicates a precarious, fragile situation.<\/p><p>Consumer debts, such as car loans and mortgages are included in calculating the debt-to-income ratio. In general, it is better to maintain a debt ratio below 40% because daily expenses\u2014groceries, gas, etc.\u2014usually eat up 60% of a budget.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1612\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 30 30\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"29\" height=\"29\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.6 9.00004L21.7597 15.2709L15.6 21.5417\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.7597 15.2709L8.25 15.2709\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Advice to improve your debt ratio<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1612\"><p>There are two ways to reduce your debt ratio. Either you increase your revenues, or decrease your debts.<\/p><p>To do this, it is suggested you make a budget in order to understand if you have any non-essential expenditures that you can reduce. For example, it may be possible to reduce the cost of your cell phone package. In some cases, the money saved could be used to provide additional amounts so you can pay back debts more quickly, which will improve your debt ratio.<\/p><p>You can also meet with a Ginsberg Gingras licensed insolvency trustee (LIT) for personalized advice that will help you reduce your debt ratio and free yourself from debts. This professional will analyze your financial situation and recommend the solution that best meets your needs. Thanks to these suggestions,\u00a0<strong>you\u2019ll know exactly how to improve your debt ratio and establish a budget that works for you.<\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6c83fe7 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6c83fe7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-402af1e\" data-id=\"402af1e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd90d29 elementor-widget elementor-widget-template\" data-id=\"dd90d29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"page\" data-elementor-id=\"10492\" class=\"elementor elementor-10492\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fee346d stop-popup block-gradient-stats block-stats newdesign-paletext elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fee346d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c66b500\" data-id=\"c66b500\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b20c007 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"b20c007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"36\" viewBox=\"0 0 36 36\" fill=\"none\">\n  <path d=\"M32.3616 18.4246C32.3616 10.6896 26.0966 4.42456 18.3616 4.42456C10.6266 4.42456 4.36157 10.6896 4.36157 18.4246C4.36157 26.1596 10.6266 32.4246 18.3616 32.4246C26.0966 32.4246 32.3616 26.1596 32.3616 18.4246ZM35.8616 18.4246C35.8616 28.0846 28.0216 35.9246 18.3616 35.9246C8.70157 35.9246 0.861572 28.0846 0.861572 18.4246C0.861572 8.76456 8.70157 0.924561 18.3616 0.924561C28.0216 0.924561 35.8616 8.76456 35.8616 18.4246ZM14.8616 14.0496C14.8616 15.4496 13.6366 16.6746 12.2366 16.6746C10.8366 16.6746 9.61157 15.4496 9.61157 14.0496C9.61157 12.6496 10.8366 11.4246 12.2366 11.4246C13.6366 11.4246 14.8616 12.6496 14.8616 14.0496ZM27.1116 14.0496C27.1116 15.4496 25.8866 16.6746 24.4866 16.6746C23.0866 16.6746 21.8616 15.4496 21.8616 14.0496C21.8616 12.6496 23.0866 11.4246 24.4866 11.4246C25.8866 11.4246 27.1116 12.6496 27.1116 14.0496ZM18.3616 27.5771C15.2991 27.5771 12.6041 26.2996 11.0291 24.4096L13.5141 21.9246C14.3016 23.1846 16.1741 24.0771 18.3616 24.0771C20.5491 24.0771 22.4216 23.1846 23.2091 21.9246L25.6941 24.4096C24.1191 26.2996 21.4241 27.5771 18.3616 27.5771Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3bc8a2 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"c3bc8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">satisfied clients<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"140000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> +<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-04c69ad\" data-id=\"04c69ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb926e6 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"eb926e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"36\" viewBox=\"0 0 26 36\" fill=\"none\">\n  <path d=\"M12.9529 0.924561C19.8457 0.924561 25.4529 6.41956 25.4529 13.1746C25.4529 22.3621 12.9529 35.9246 12.9529 35.9246C12.9529 35.9246 0.452881 22.3621 0.452881 13.1746C0.452881 6.41956 6.06002 0.924561 12.9529 0.924561ZM10.2207 21.9246L21.8815 10.3921L19.3815 7.92456L10.2207 16.9896L6.52431 13.3321L4.02431 15.7996L10.2207 21.9246Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-facaf51 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"facaf51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">in Ontario, Quebec &amp; New Brunswick <\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ offices<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c443cb2\" data-id=\"c443cb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c7720d elementor-widget elementor-widget-jet-inline-svg\" data-id=\"0c7720d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div 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data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">of service in the insolvency sector<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ years<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ca82d81\" data-id=\"ca82d81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bdce2b7 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"bdce2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"34\" viewBox=\"0 0 36 34\" fill=\"none\">\n  <path d=\"M32.7064 17.5152L35.2192 20.4206L23.4987 34L17.2705 26.7879L19.7833 23.8824L23.4987 28.1685L32.7064 17.5152ZM12.7833 26.7879L18.168 32.9697H0.219238V28.8485C0.219238 24.2945 6.64488 20.6061 14.5782 20.6061L17.9705 20.8327L12.7833 26.7879ZM14.5782 0C18.5449 0 21.7577 3.68848 21.7577 8.24242C21.7577 12.7964 18.5449 16.4848 14.5782 16.4848C10.6115 16.4848 7.39873 12.7964 7.39873 8.24242C7.39873 3.68848 10.6115 0 14.5782 0Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9293080 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"9293080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">acceptance rate of our consumer proposal<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"98\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> %<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debt ratio What is the debt-to-income ratio? The debt-to-income ratio, or debt ratio, is a unit of measure that allows you to compare income before taxes with total debt. This information is particularly useful when you plan to ask for a loan from a financial institution. The institution will interpret your debt ratio as an [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-1363","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Calculate Your Debt Ratio | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"Calculate your debt ratio with Ginsberg Gingras\u2019s quick debt calculation tool. 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