At the end of last year, Ted Michalos and I predicted three types of bankruptcies we expected to see more of in 2018:

1. People will be denied for debt consolidation and refinancing.
2. Ontarians will be dealing with lower home equity and as a result, end up filing for more proposals
3. We will see crypto-currency related bankruptcies in the New Year.

To review those predictions now that the year has started and to share his insight, I'm joined today by our Manager of Consumer Insolvency, Scott Terrio. We'll look at issues like whether the new mortgage rules impede Canadians' ability to consolidate their debt and what impact home prices will have on insolvencies.