
{"id":4297,"date":"2020-03-26T19:01:23","date_gmt":"2020-03-26T19:01:23","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=4297"},"modified":"2023-06-06T15:40:01","modified_gmt":"2023-06-06T19:40:01","slug":"case-study-divorce","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/case-studies\/case-study-divorce\/","title":{"rendered":"Case study: A divorce with financial repercussions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4297\" class=\"elementor elementor-4297 elementor-4217\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d098b90 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=\"d098b90\" 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-a4cda2d hero_text_fix\" data-id=\"a4cda2d\" 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-f9e8711 elementor-widget elementor-widget-text-editor\" data-id=\"f9e8711\" 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>Case studies<\/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-e7ac697 hero_image_fix\" data-id=\"e7ac697\" 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-ed2e03e dce_masking-none elementor-widget elementor-widget-image\" data-id=\"ed2e03e\" 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=\"509\" height=\"499\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1.jpg\" class=\"attachment-large size-large wp-image-35762\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1-300x294.jpg 300w\" sizes=\"(max-width: 509px) 100vw, 509px\" \/>\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-9ec8598 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ec8598\" 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-493448c\" data-id=\"493448c\" 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-e81ba87 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"e81ba87\" 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>Case study: A divorce with financial repercussions<\/h2><p>These case studies are not true stories. They do not constitute actual client testimony. However, they are based on experiences observed by our Licensed Insolvency Trustees.\u00a0<\/p><p>These fictional case studies are meant to demonstrate the possible outcomes of a debt solution. In reality, each situation is unique. All individuals struggling with debt should consult a Ginsberg Gingras Licensed Insolvency Trustee to determine the best solution for them, and its effects.<\/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-65e3ad9 newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65e3ad9\" 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-e2a7b78\" data-id=\"e2a7b78\" 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-4277158 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4277158\" 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-da30c8f\" data-id=\"da30c8f\" 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-bf96244 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"bf96244\" 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=\"509\" height=\"499\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1.jpg\" class=\"attachment-large size-large wp-image-35762\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-1-300x294.jpg 300w\" sizes=\"(max-width: 509px) 100vw, 509px\" \/>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0ec244d\" data-id=\"0ec244d\" 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-2631d32 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"2631d32\" 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>Albert\u2019s finances begin to suffer following his divorce<\/h2>\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<div class=\"elementor-element elementor-element-10c42a7 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"10c42a7\" 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>Albert has been separated for six months. He and his ex-wife share joint custody of their two daughters. However, he must pay $300 in alimony per month.<\/p><p>Before the divorce, he did not have any financial problems. Bills were paid on time, and the family\u2019s lifestyle was appropriate for their means. The children had many hobbies and together they enjoyed many family activities. Albert and his wife each had their own car, they lived in a single-family home, and owned a trailer.<\/p><p>After the divorce, Albert\u2019s income was not enough to pay all the current expenses and accumulated debt.<\/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-fe442d9 newdesign-paletext color-main-pale elementor-widget elementor-widget-text-editor\" data-id=\"fe442d9\" 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>Albert seeks help to regain control of his finances<\/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-88e634c newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"88e634c\" 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 class=\"p1\">After talking with one of his friends who had also been through a divorce, Albert decided to meet with a Licensed Insolvency Trustee (LIT) at Ginsberg Gingras to recover his financial health. After discussing his situation with the LIT, Albert concludes that a proposal to his creditors to repay a percentage of his debts would be the best solution for him.<\/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-24b67b4 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"24b67b4\" 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-c3ae5fd\" data-id=\"c3ae5fd\" 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-59592b7 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"59592b7\" 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>Albert\u2019s debt before his consumer proposal<\/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-a7a70e8 etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"a7a70e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<table class=\"tafe-table \">\n\t\t\t<thead  class=\"tafe-table-header\">\n\t\t\t\t<tr>\n\t\t\t\t\t<th class=\"elementor-inline-editing elementor-repeater-item-2a5ba70\"   ><\/th>\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t\t<tbody class=\"tafe-table-body\">\n\t\t\t\t<tr>\n\t\t\t\t\t<td data-label=\"\"   class=\"elementor-repeater-item-f6ba351 td-content-type-default\" >Mortgage<\/td><td data-label=\"\"   class=\"elementor-repeater-item-90f5d69 td-content-type-default\" >In Albert's and his ex's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$199,817<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >Car loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-feadff5 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >$20,016<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Unsecured loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-3a61a5d td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >$21,411<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-2b1d6ab td-content-type-default\" >Line of credit<\/td><td data-label=\"\"   class=\"elementor-repeater-item-947f23e td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-aec3ce2 td-content-type-default\" >$14,756<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-c16a97f td-content-type-default\" >Credit card<\/td><td data-label=\"\"   class=\"elementor-repeater-item-d8df4f6 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-6caea6e td-content-type-default\" >$15,123<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-0cff9d7 td-content-type-default\" >Alimony fees (arrears)<\/td><td data-label=\"\"   class=\"elementor-repeater-item-59d7c87 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >$1,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-08447f8 td-content-type-default\" ><\/td><td data-label=\"\"   class=\"elementor-repeater-item-cc4ca2a td-content-type-default\" >Debt total<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f60d6e6 td-content-type-default\" >$272,123<\/td>\t\t\t\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t\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-a1c7d3d newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"a1c7d3d\" 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>With his LIT\u2019s help, Albert determines that he can keep his car and continue to make payments on it. He also makes an agreement with his ex-wife to keep the house. He will of course need to keep making mortgage payments.<\/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-bfd7ba5 newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfd7ba5\" 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-10b6033\" data-id=\"10b6033\" 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-d23784f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"d23784f\" 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>Choosing an adapted solution<\/h2><p>Before meeting with a Ginsberg Gingras LIT, Albert was worried his situation would not allow him to keep his car and his house. The LIT told him about consumer proposals. A proposal is a procedure that allows debtors to resolve their debts while avoiding seizure.<\/p><p>The LIT explained to Albert that a proposal would exclude secured creditors from the insolvency procedure. These creditors are protected, because they hold security on the goods they financed. Therefore, in case of default, these creditors can seize the goods they have links to. However, as long as the terms are respected (normally, payments, insurance, municipal taxes, and so on), Albert can keep his car and his house.<\/p><p>Albert must pay the late alimony fees, because the Act does not allow release of this debt [section 178 (1)], nor is it affected by a stay of proceedings (section 69.41).<\/p><p>Excluding the mortgage, car loan, and alimony, the debt total that can be released was $51,290. To solve his debts, Albert filed a consumer proposal with his creditors to pay $250 per month. This total is based on the budget that Albert and his LIT prepared together. The proposed term length was 60 months. The total amount that Albert would pay is $15,000.<\/p><p>The majority of the creditors agreed with these terms and the proposal was accepted. Five years later, the terms of the agreement were fulfilled, Albert is deemed to have resolved all the debts in his name. He was also able to keep his house and car.<\/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-9c85bab newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c85bab\" 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-e7da2cd\" data-id=\"e7da2cd\" 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-5d399e4 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"5d399e4\" 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>Albert\u2019s debts after his consumer proposal<\/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-3419bb1 etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"3419bb1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<table class=\"tafe-table \">\n\t\t\t<thead  class=\"tafe-table-header\">\n\t\t\t\t<tr>\n\t\t\t\t\t<th class=\"elementor-inline-editing elementor-repeater-item-2a5ba70\"   ><\/th>\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t\t<tbody class=\"tafe-table-body\">\n\t\t\t\t<tr>\n\t\t\t\t\t<td data-label=\"\"   class=\"elementor-repeater-item-f6ba351 td-content-type-default\" >Pr\u00eat hypoth\u00e9caire<\/td><td data-label=\"\"   class=\"elementor-repeater-item-90f5d69 td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >199 817 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >Pr\u00eat auto<\/td><td data-label=\"\"   class=\"elementor-repeater-item-feadff5 td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >20 016 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Pr\u00eat non garanti<\/td><td data-label=\"\"   class=\"elementor-repeater-item-3a61a5d td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >0 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-2b1d6ab td-content-type-default\" >Marge de cr\u00e9dit<\/td><td data-label=\"\"   class=\"elementor-repeater-item-947f23e td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-aec3ce2 td-content-type-default\" >0 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-c16a97f td-content-type-default\" >Carte de cr\u00e9dit<\/td><td data-label=\"\"   class=\"elementor-repeater-item-d8df4f6 td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-6caea6e td-content-type-default\" >0 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-0cff9d7 td-content-type-default\" >Pension alimentaire (arr\u00e9rages)<\/td><td data-label=\"\"   class=\"elementor-repeater-item-59d7c87 td-content-type-default\" >Au nom d\u2019Albert<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >1 000 $<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-08447f8 td-content-type-default\" ><\/td><td data-label=\"\"   class=\"elementor-repeater-item-cc4ca2a td-content-type-default\" >Total des dettes<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f60d6e6 td-content-type-default\" >220 833 $<\/td>\t\t\t\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t\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-54357d3 etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"54357d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"Table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<table class=\"tafe-table \">\n\t\t\t<thead  class=\"tafe-table-header\">\n\t\t\t\t<tr>\n\t\t\t\t\t<th class=\"elementor-inline-editing elementor-repeater-item-2a5ba70\"   ><\/th>\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t\t<tbody class=\"tafe-table-body\">\n\t\t\t\t<tr>\n\t\t\t\t\t<td data-label=\"\"   class=\"elementor-repeater-item-f6ba351 td-content-type-default\" >Mortgage<\/td><td data-label=\"\"   class=\"elementor-repeater-item-90f5d69 td-content-type-default\" >In Albert's and his ex's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$199,817<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >Car loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-feadff5 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >$20,016<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Unsecured loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-3a61a5d td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-2b1d6ab td-content-type-default\" >Line of credit<\/td><td data-label=\"\"   class=\"elementor-repeater-item-947f23e td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-aec3ce2 td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-c16a97f td-content-type-default\" >Credit card<\/td><td data-label=\"\"   class=\"elementor-repeater-item-d8df4f6 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-6caea6e td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-0cff9d7 td-content-type-default\" >Alimony fees (arrears)<\/td><td data-label=\"\"   class=\"elementor-repeater-item-59d7c87 td-content-type-default\" >In Albert's name<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >$1,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-08447f8 td-content-type-default\" ><\/td><td data-label=\"\"   class=\"elementor-repeater-item-cc4ca2a td-content-type-default\" >Debt total<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f60d6e6 td-content-type-default\" >$220,833<\/td>\t\t\t\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t\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-11cbb4f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"11cbb4f\" 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 class=\"p1\">Thanks to this arrangement, Albert was able to balance his budget. It was not easy, but he is happy he made this decision. Today, he is living comfortably and has even started taking his children on trips.<\/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-b6b64a6 block-gradient-stats block-stats newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6b64a6\" 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-cd0cd74\" data-id=\"cd0cd74\" 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 data-dce-title-color=\"#FFFFFF\" class=\"elementor-element elementor-element-c1eddf7 elementor-widget elementor-widget-heading\" data-id=\"c1eddf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Help to liberate you from your debts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372ef87 elementor-widget elementor-widget-text-editor\" data-id=\"372ef87\" 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>Whether or not you\u2019ve been through a divorce like Albert, we can help free you from your debts. Together, we will find the best solution for your budget.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-dce-background-color=\"#0C3937\" class=\"elementor-element elementor-element-765ed10 elementor-align-left elementor-mobile-align-justify elementor-widget__width-auto elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"765ed10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ginsberg-gingras.com\/en\/on-line-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<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>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask for a free assessment.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-74ea6cd elementor-widget elementor-widget-text-editor\" data-id=\"74ea6cd\" 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>At Ginsberg Gingras, you\u2019re always treated with respect and dignity.<\/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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Case studies Case study: A divorce with financial repercussions These case studies are not true stories. They do not constitute actual client testimony. However, they are based on experiences observed by our Licensed Insolvency Trustees.\u00a0 These fictional case studies are meant to demonstrate the possible outcomes of a debt solution. In reality, each situation is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4208,"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-4297","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>Case study: A divorce with financial repercussions | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"A divorce often results in significant debts. 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