To wrap up their Merry Debtmas conversation, Todd and Clinton invite Tina Powell from MNP Limited to discuss the next steps borrowers need to take after filing for bankruptcy or a consumer proposal.

The three explore the challenges and strategies for reestablishing credit and staying clear of additional trouble. They emphasize the importance of paying out discharges on time and the consequences of missing payments, including annulment of proposals. They also discuss the impact of bankruptcy on co-signers and the importance of not co-signing.