Coming back to the task at hand (i.e. painting), I found myself wondering about the seemingly endless variations on off-white; winter white, icicle, elephant tusk, and on and on. My favourite is "calm." Not sure when that became a colour.
At some point, I started reflecting on the past week at work. When people sit down with me to ask questions about personal bankruptcy in Kitchener, every situation is at least a little bit different. Some people with high-paying jobs, some people relatively lower. Many are with no job at all right now. Regardless, there has been an unfortunate and unforeseen series of events leading them to sitting down with me.
This is why one of the upcoming changes to personal bankruptcies and consumer proposals is so perplexing to me. There is an assortment of changes to insolvency laws that will be effective September 18. Here's a useful summary. However, you will not find in this commentary the change to which I am referring.
Here it is: if you file a personal bankruptcy or consumer proposal after September 18, you will be required to disclose your highest level of education. What purpose does that serve? Are you any more or less deserving of the legal protection provided by a personal bankruptcy or consumer proposal because of your education? I have not heard a good answer yet. When I learn the rational explanation, I will let you know.
Regardless of the intention, the expected result is, to put it mildly, unfortunate. It is already difficult enough to consult with a stranger about your financial problems. I suspect that many people will be flat out offended when I ask about their education.
If you are in financial difficulty and want to learn more about your options, I want to assure you that you will be treated with dignity and respect when you contact us. Sometimes, we ask uncomfortable questions. Please understand that it's part of our professional duty. To get started, you can contact me by phone at 310-PLAN or (519)747-0660, or by e-mail.
posted by Ian Martin @ 4:22 PM
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