
{"id":4321,"date":"2020-03-26T19:25:33","date_gmt":"2020-03-26T19:25:33","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=4321"},"modified":"2023-06-06T15:42:31","modified_gmt":"2023-06-06T19:42:31","slug":"case-study-accident","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/case-studies\/case-study-accident\/","title":{"rendered":"Case study: Financial problems caused by an accident"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4321\" class=\"elementor elementor-4321 elementor-4269\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60d756e 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=\"60d756e\" 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-6fece80 hero_text_fix\" data-id=\"6fece80\" 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-9ce4152 elementor-widget elementor-widget-text-editor\" data-id=\"9ce4152\" 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-7f77d91 hero_image_fix\" data-id=\"7f77d91\" 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-47fdcd4 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"47fdcd4\" 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-3b.jpg\" class=\"attachment-large size-large wp-image-36020\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-3b.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-3b-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-dff14ee newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dff14ee\" 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-5c27c2d\" data-id=\"5c27c2d\" 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-fea544f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"fea544f\" 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: Financial problems caused by an accident<\/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-f73e911 newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f73e911\" 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-3350a28\" data-id=\"3350a28\" 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-6e940f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e940f5\" 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-e7b1f57\" data-id=\"e7b1f57\" 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-8da78a0 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"8da78a0\" 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-3b.jpg\" class=\"attachment-large size-large wp-image-36020\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-3b.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Etudes-de-cas-3b-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-3c0ceca\" data-id=\"3c0ceca\" 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-8c45ee7 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"8c45ee7\" 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>Bankruptcy helps Genevieve through a difficult period following an accident<\/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-4bb2e5f newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"4bb2e5f\" 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>Genevieve completed her studies in communications three years ago.<\/p><p>After finishing her Master\u2019s, she decided to launch her own public relations agency. Single and without children, she invested herself 100% in this new venture.<\/p><p>Although things were difficult to start, Genevieve was able to overcome the challenges and win enough contracts to ensure her company\u2019s profitability.<\/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-741b342 newdesign-paletext color-main-pale elementor-widget elementor-widget-text-editor\" data-id=\"741b342\" 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>An accident: the cause of debt overload<\/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-0b6717a newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"0b6717a\" 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>Unfortunately, Genevieve was involved in a serious accident while cycling. One year later, she was still struggling to recover and still hadn\u2019t returned to work.\u00a0<strong>Without income and unable to repay her debts, she decided to meet with a Ginsberg Gingras Licensed Insolvency Trustee (LIT).<\/strong>\u00a0Genevieve was very nervous at first, but the LIT picked up on her anxiety and reassured her. A trusting relationship was quickly established between Genevieve and her LIT.<\/p><p><strong>Genevieve listened to the LIT\u2019s recommendations, and decided to declare bankruptcy<\/strong>. Her debts included her student loan, three credit cards, income tax liability, unpaid cellphone bills, and a car loan. Her car was seized because she could not continue making payments to the bank.<\/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-f7cc045 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f7cc045\" 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-10c7a8e\" data-id=\"10c7a8e\" 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-8ece34d newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"8ece34d\" 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>Genevieve\u2019s debts before bankruptcy<\/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-534f46d etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"534f46d\" 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\" >Car loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$18,614<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >Student loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >$5,417<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Tax liability<\/td><td data-label=\"\"   class=\"elementor-repeater-item-4a1150a td-content-type-default\" >$816<\/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\" >$8,699<\/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\" >$7,002<\/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\" >$5,416<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-cc4ca2a td-content-type-default\" >Cell phone bills<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f60d6e6 td-content-type-default\" >$413<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-3b804ee td-content-type-default\" >Debt total<\/td><td data-label=\"\"   class=\"elementor-repeater-item-7c67b2a td-content-type-default\" >$46,377<\/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-b7a6505 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"b7a6505\" 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>Genevieve had to provide her LIT with a proof of income to establish the amount of her payments. Since it was determined that Genevieve had no surplus income,\u00a0<strong>her monthly payments were set at $200 for a period of nine months<\/strong>. Surplus income corresponds to the amount of revenue that surpasses the minimum a family needs to maintain a reasonable standard of living. This amount is set in Appendix A of Directive\u00a0<a style=\"color: #f7941e;\" href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/br01055.html\" target=\"_blank\" rel=\"noopener\">No. 11R<\/a>.<\/p><p>Once her payments were made, Genevieve emerged from bankruptcy. All her debts were erased, except for her student loan. However, Genevieve was not able to make payments to her student loan during the nine months of bankruptcy. Student loan debts can be included in a bankruptcy only if studies ended more than seven years previously.<\/p><p>On the advice of her Licensed Insolvency Trustee, Genevieve contacted the d\u00e9partement de l\u2019Aide financi\u00e8re aux \u00e9tudes and the Minist\u00e8re de l\u2019\u00c9ducation de l\u2019Enseignement sup\u00e9rieur du Qu\u00e9bec to explain her situation and find a compromise.<\/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-df34051 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"df34051\" 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-665d08b\" data-id=\"665d08b\" 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-3a8c5f0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3a8c5f0\" 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-15e84e9 newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15e84e9\" 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-1d49e2d\" data-id=\"1d49e2d\" 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-857da75 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"857da75\" 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>Genevieve\u2019s debts after bankruptcy<\/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-a44bbcf etude-de-cas-table last_tr_green elementor-widget elementor-widget-Table\" data-id=\"a44bbcf\" 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\" >Car loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-79234bc td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-523fe20 td-content-type-default\" >Student loan<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f5e8afd td-content-type-default\" >$5,417<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-27c77d3 td-content-type-default\" >Tax liability<\/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-cc4ca2a td-content-type-default\" >Cell phone bills<\/td><td data-label=\"\"   class=\"elementor-repeater-item-f60d6e6 td-content-type-default\" >$0<\/td><\/tr><tr><td data-label=\"\"   class=\"elementor-repeater-item-3b804ee td-content-type-default\" >Debt total<\/td><td data-label=\"\"   class=\"elementor-repeater-item-7c67b2a td-content-type-default\" >$5,417<\/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-0582ff0 newdesign-paletext elementor-widget elementor-widget-text-editor\" data-id=\"0582ff0\" 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>In summary, a little more than a year after her accident, Genevieve declared bankruptcy. She emerged from bankruptcy nine months later with only her student debt remaining.\u00a0<strong>Thanks to her bankruptcy, Genevieve was able to free herself from her other debts.<\/strong><\/p><p>Genevieve continues to be motivated and is preparing to return to the job market.\u00a0<strong>She is relieved to know that once re-established, she will not have to suffer the stress and financial pressure caused by her acc<\/strong><strong>ident for years<\/strong>.<\/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-b02a129 block-gradient-stats block-stats newdesign-paletext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b02a129\" 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-8598879\" data-id=\"8598879\" 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-9a67035 elementor-widget elementor-widget-heading\" data-id=\"9a67035\" 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-24a7e67 elementor-widget elementor-widget-text-editor\" data-id=\"24a7e67\" 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 suffered an accident like Genevieve, 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-146cb75 elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit newdesign-button elementor-widget elementor-widget-button\" data-id=\"146cb75\" 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-b78bef0 elementor-widget elementor-widget-text-editor\" data-id=\"b78bef0\" 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: Financial problems caused by an accident 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 [&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-4321","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: Financial problems caused by an accident | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"An accident can have long-term effects and even lead to debts. 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