
{"id":4307,"date":"2020-03-26T19:15:13","date_gmt":"2020-03-26T19:15:13","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=4307"},"modified":"2023-06-06T15:44:51","modified_gmt":"2023-06-06T19:44:51","slug":"case-study-grappling-with-debt-after-job-loss","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/case-studies\/case-study-grappling-with-debt-after-job-loss\/","title":{"rendered":"Case study: Grappling with debt after job loss"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4307\" class=\"elementor elementor-4307 elementor-4293\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fbfd94c 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=\"fbfd94c\" 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-77d7c03 hero_text_fix\" data-id=\"77d7c03\" 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-1f5bc52 elementor-widget elementor-widget-text-editor\" data-id=\"1f5bc52\" 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>\u00c9tudes de cas<\/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-29b3548 hero_image_fix\" data-id=\"29b3548\" 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-451364e dce_masking-none elementor-widget elementor-widget-image\" data-id=\"451364e\" 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-6.jpg\" class=\"attachment-large size-large wp-image-35792\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-6.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-6-300x294.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-4f5d28a newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f5d28a\" 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-9c8e751\" data-id=\"9c8e751\" 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-6755f16 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"6755f16\" 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: Grappling with debt after job loss<\/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-fdd49cb newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fdd49cb\" 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-e0af7db\" data-id=\"e0af7db\" 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-897c632 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"897c632\" 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-d6389d7\" data-id=\"d6389d7\" 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-ac91c9e dce_masking-none elementor-widget elementor-widget-image\" data-id=\"ac91c9e\" 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-6.jpg\" class=\"attachment-large size-large wp-image-35792\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-6.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-6-300x294.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-6ba6c62\" data-id=\"6ba6c62\" 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-eb0f525 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"eb0f525\" 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>Starting from scratch after job loss<\/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-cb662a9 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"cb662a9\" 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>Corinna is 39 years old and unmarried. She has worked for the same company for the last five years. She is a sales representative working in the food industry. She manages a line of organic products. She earns a minimum gross salary of $3,000 per month.<\/p><p>Thanks to her personable and friendly nature, she has been able to build a strong client base and makes decent sales. Her efforts have resulted in achieving a good amount of commission early in her career, sometimes even doubling her salary. Corinna profited, acquiring several high-value assets. Her most notable assets:<\/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-cbebbd2 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbebbd2\" 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-38058cc\" data-id=\"38058cc\" 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-0bc45fb etude-de-cas-table elementor-widget elementor-widget-Table\" data-id=\"0bc45fb\" 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\" >Assets<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >Value<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >House<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >$210,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Car<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >$19,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-2b1d6ab td-content-type-default\" >Harley-Davidson motorcycle<\/td><td data-label=\"\"   class=\"elementor-repeater-item-aec3ce2 td-content-type-default\" >$13,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-c16a97f td-content-type-default\" >RRSP<\/td><td data-label=\"\"   class=\"elementor-repeater-item-6caea6e td-content-type-default\" >$5,000<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-0cff9d7 td-content-type-default\" >Pension fund with Fond de Solidarit\u00e9 FTQ, accumulated in a previous job<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >$32,000<\/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\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-ce200b5 newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce200b5\" 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-de661f7\" data-id=\"de661f7\" 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-f12c95c newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"f12c95c\" 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>The consequences of job loss<\/h2><p>During her third year as a sales representative, a competitor launched new products that quickly cornered many parts of the market. Gradually, her clients turned to the competitor\u2019s product and Corinna\u2019s sales declined.<\/p><p>Having lost its competitive edge in the organic food sector, Corinna\u2019s company decided to withdraw from that market. Unfortunately, this decision led to Corinna\u2019s unemployment.<\/p><p>Despite consistent efforts, Corinna was unable to find a new job quickly enough. During her unemployment, she fell behind on her payments. She was forced to accept a lower-paying job that was not compatible with her former lifestyle. After several months in the red, Corinna realized that she had too much debt and that she would not be able to repay it all.<\/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-b36805d newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b36805d\" 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-fa4a71c\" data-id=\"fa4a71c\" 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-b4c575f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"b4c575f\" 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>Corinna\u2019s debts before her proposal<\/h2><p>Given her situation, Corinna met with a Licensed Insolvency Trustee (LIT) at Ginsberg Gingras for a free assessment of her situation. Here is a list of her debts:<\/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-4804681 etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"4804681\" 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 with the bank<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$178,012<\/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-f5e8afd td-content-type-default\" >$23,899<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Lease with Harley-Davidson<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >$16,440<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-2b1d6ab td-content-type-default\" >Credit card 1<\/td><td data-label=\"\"   class=\"elementor-repeater-item-aec3ce2 td-content-type-default\" >$39,677<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-c16a97f td-content-type-default\" >Credit card 2<\/td><td data-label=\"\"   class=\"elementor-repeater-item-6caea6e td-content-type-default\" >$25,116<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-0cff9d7 td-content-type-default\" >Credit card 3<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >$9,856<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-8d8dbb3 td-content-type-default\" >Personal loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-d40ca84 td-content-type-default\" >$15,007<\/td><\/tr><tr><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\" >$308,007<\/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-c16a629 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"c16a629\" 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>After being informed of her options by the LIT, Corinna takes a critical first step. She gives her motorcycle to her secured creditor. This decision reduced her monthly expenses.<\/p><p>To handle her other debts, she decides to file a consumer proposal. With the help of her LIT, Corinna analyzes her financial situation and prepares a realistic budget.\u00a0She determines that she will be able to keep her car and her house.<\/p><p>With this information in hand, Corinna proposes to pay $36,000 as reimbursement for her credit cards and personal loans. She will make monthly payments of $600 for five years.<\/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-31ba308 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31ba308\" 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-3a00d52\" data-id=\"3a00d52\" 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-fd3bebe elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fd3bebe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0841cb6 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0841cb6\" 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-db44072\" data-id=\"db44072\" 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-70eccd4 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"70eccd4\" 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>DCorinna\u2019s debts after her proposal<\/h2>\nThe LIT files Corinna\u2019s proposal with her creditors, and all approve. Corinna is pleased and relieved.\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-bf0010a etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"bf0010a\" 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 with the bank<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$178,012<\/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-f5e8afd td-content-type-default\" >$23,899<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Lease with Harley-Davidson<\/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\" >Credit card 1<\/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 2<\/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\" >Credit card 3<\/td><td data-label=\"\"   class=\"elementor-repeater-item-939c8b8 td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-8d8dbb3 td-content-type-default\" >Personal loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-d40ca84 td-content-type-default\" >$0<\/td><\/tr><tr><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\" >$201,911<\/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-ab2acf5 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"ab2acf5\" 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 her proposal and her new budget, Corinna\u2019s new job earns her enough money to meet her financial obligations.\u00a0She can finally turn the page on that difficult chapter of her life, 18 months after the beginning of her financial problems.<\/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-95dd328 block-gradient-stats block-stats newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95dd328\" 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-cedf564\" data-id=\"cedf564\" 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-85ca3bb elementor-widget elementor-widget-heading\" data-id=\"85ca3bb\" 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 release 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-10ffe8b elementor-widget elementor-widget-text-editor\" data-id=\"10ffe8b\" 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\">Regardless of whether your debt problems are related to job loss like Corinna, we can help you. Whatever your level of debt, it is possible to free yourself. 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-53fed38 elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"53fed38\" 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=\"29\" height=\"29\" viewBox=\"0 0 29 29\" fill=\"none\"><rect x=\"0.5\" y=\"0.5\" width=\"28\" height=\"28\" rx=\"6.5\" fill=\"#1F4D46\" stroke=\"white\"><\/rect><path d=\"M15.08 8.70002L21.0343 14.7618L15.08 20.8237\" stroke=\"white\" stroke-miterlimit=\"10\"><\/path><path d=\"M21.0344 14.7618L7.97498 14.7618\" 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-953d81a elementor-widget elementor-widget-text-editor\" data-id=\"953d81a\" 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>\u00c9tudes de cas Case study: Grappling with debt after job loss 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 [&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-4307","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Case study: Grappling with debt after job loss | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"Honoring financial commitments is not easy after a job loss. 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