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This website about bankruptcies, filing for bankruptcy and consumer proposals is for information only and is not meant to replace qualified legal advice by a licensed trustee in bankruptcy or trustee in insolvency. The application and interpretation of the bankruptcy laws of Canada, evolve over time and the writers shall not be held responsible for any information that may be incorrect or out of date. The owners of this website recommend that anyone having a financial issue or wishing to learn more about bankruptcy or a consumer proposal speak to one of our insolvency trustees.