Insolvency Counselling

Your consumer proposal requires you to attend two counselling sessions as part of the debt settlement process. The first session is expected to be held within the first 90 days after your consumer proposal filing. Here, we discuss the different methods we can hold these sessions.

Counselling during the Covid-19 crisis

You may already have an idea about your preferred way to have your sessions with us. However, given the preference for controlled, face-to-face sessions you must qualify for counselling to be held by video conference, by phone, or at a location other than one of our two registered offices. The only exception is that during the Covid-19 crisis counselling by video conferencing or phone is expected.

Counselling in person

If not for the Covid-19 crisis, insolvency counselling sessions are expected to be held with us in person at one of our authorized offices in South Surrey / White Rock or downtown Vancouver.

Video conferencing

If you would be significantly inconvenienced by attending in person at one of our authorized offices then you may request that counselling be held by video conference. For example, perhaps a combination of your working hours and the time to travel to our office result in great inconvenience to in-person sessions.

For sessions by video conference we must both have access to the necessary video / voice technology such as FaceTime on an iPhone, or a Zoom conference on your smart phone or laptop.

If we determine counselling by video conference is appropriate, your location is important. Subsection 17(2) of Directive 1R6 requires that during the video conference you must have privacy and you are forbidden to be with:

  • any person who is involved in lending or financing,
  • a person who provides advice in relation to the bankruptcy or proposal process in exchange for consideration,
  • someone who acts as a go-between between insolvent persons and Licensed Insolvency Trustees,
  • someone involved in preparing information for a debtor in relation to an insolvency proceeding, representation, restructuring services, credit rebuilding, loans in various forms, or insurance,
  • someone who is part of an arrangement whereby that person refers insolvent persons to a particular Licensed Insolvency Trustee and in exchange the Licensed Insolvency Trustee refers some insolvent persons back to the the referrer, and
  • any person who is associated with any of the above.

Counselling by phone or at another location

Counselling by phone or at a location other than our authorized office is permitted only if:

  • video conferencing is not feasible or is not appropriate; and
  • there are extraordinary circumstances such as (a) you have a medical condition making it difficult for you to travel to my authorized office or (b) distance creates a significant barrier to travelling to my authorized office.

If we schedule counselling by phone or at a location other than one of our authorized offices, subsection 18(1) of Directive 1R6 requires you to have privacy and forbids you to from being at the office of, or in the presence of, any individual who is ineligible to be registered as an Insolvency Counsellor. For example, you cannot be with:

  • any person who is involved in lending or financing,
  • a person who provides advice in relation to the bankruptcy or proposal process in exchange for consideration,
  • someone who acts as a go-between between insolvent persons and Licensed Insolvency Trustees,
  • someone involved in preparing information for a debtor in relation to an insolvency proceeding, representation, restructuring services, credit rebuilding, loans in various forms, or insurance,
  • someone who is part of an arrangement whereby that person refers insolvent persons to a particular Licensed Insolvency Trustee and in exchange the Licensed Insolvency Trustee refers some insolvent persons back to the the referrer, and
  • any person who is associated with any of the above.

Insolvency Counselling – the process

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