Canada

Monthly Filings

A five-year chart of nation-wide consumer filings shows recent growth in both consumer proposals and total filings.


Consumer Proposals

Filings of consumer proposals as a percentage of all filings reached an all-time high of 78.6% in March 2023.


Annual File Growth

To measure growth we compare total filings in the 12 months ending March 2023 with the 12 months ended March 2022.


Provincial

Annual File Growth

We break down the national figures by province.


Regions / Municipal Areas

Mean and Current Monthly Filings

We consider census metropolitan areas and regions and compare current volumes with the 10-year historical mean. Showing the current month as a percentage of the mean reveals the degree to which current filings exceed the mean.

CMA.Region March2023 Mean March2023.over.Mean
Montreal - CMA 1182 1,354 87.2%
Toronto Region 879 660 133.1%
Edmonton - CMA 617 343 179.8%
Calgary - CMA 545 353 154.0%
Vancouver Metro 535 402 132.8%
Ottawa-Gatineau - CMA 381 352 108.0%
Peel Region 378 328 115.1%
Quebec City - CMA 240 196 122.1%
London - CMA 232 189 122.6%
Hamilton - CMA 215 154 138.9%
Winnipeg - CMA 206 132 155.8%
York Region 202 164 122.5%
Kitchener - Cambridge -Waterloo - CMA 183 146 125.2%
Durham Region 164 138 118.4%
St. Catharines - Niagara - CMA 156 103 150.0%
Halifax - CMA 142 134 105.2%
Barrie - CMA 132 102 128.8%
Halton Region 117 84 137.9%
Victoria - CMA 108 82 131.5%
Sherbrooke - CMA 106 86 122.4%
Windsor - CMA 104 91 114.2%
Greater Sudbury - CMA 100 89 111.7%
St. John’s - CMA 100 88 113.0%
Saskatoon - CMA 88 58 151.4%
Belleville-Quinte West - CMA 81 55 144.7%
Regina - CMA 78 55 140.2%
Trois Rivieres - CMA 71 59 119.7%
Kelowna - CMA 68 54 125.7%
Abbotsford - CMA 63 38 165.8%
Peterborough - CMA 62 49 124.1%
Moncton - CMA 58 71 81.4%
Fredericton - CMA 53 42 125.9%
Saint John - CMA 53 57 92.9%
Kingston - CMA 51 43 116.8%
Guelph - CMA 50 29 169.3%
Kamloops - CMA 50 42 117.1%
Brantford - CMA 49 32 149.3%
Lethbridge - CMA 45 32 138.4%
Thunder Bay - CMA 44 33 131.6%
Nanaimo - CMA 38 29 130.1%
Chilliwack - CMA 35 20 172.9%


Cities

Most Active This Month

City Province March2023 Mean March2023.over.Mean
Calgary AB 494 317 155.5%
Edmonton AB 477 260 183.0%
Scarborough ON 210 161 129.7%
Winnipeg MB 204 130 156.2%
Brampton ON 192 149 128.7%
Toronto ON 185 142 129.7%
North York ON 179 120 149.1%
Hamilton ON 173 114 151.6%
Montreal QC 160 165 96.6%
Mississauga ON 158 156 100.8%
London ON 144 118 121.1%
Surrey BC 143 99 143.3%
Vancouver BC 125 97 127.6%
Etobicoke ON 116 93 124.5%
Kitchener ON 100 68 146.9%
Quebec City QC 100 73 136.5%
Ottawa ON 96 88 108.9%
Saskatoon SK 88 57 152.2%
Oshawa ON 85 56 149.6%
Red Deer AB 85 40 211.5%
Windsor ON ON 85 69 121.9%
Regina SK 78 55 140.6%
Barrie ON 76 54 139.7%
St. Catharines ON 76 44 170.2%
Sherbrooke QC 64 49 129.8%


Highest Annual Growth Rates

We review approximately 654 cities and filter out those with less than 120 filings per year, leaving 192 more active cities for analysis.

City Province 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
Esquimalt BC 168 96 72 75.0%
Mascouche QC 177 109 68 62.4%
Truro NS 164 107 57 53.3%
Trenton ON 149 98 51 52.0%
New Westminster BC 227 150 77 51.3%
Nepean ON 401 266 135 50.8%
Abbotsford BC 412 274 138 50.4%
Niagara Falls ON 363 244 119 48.8%
Auteuil QC 78 53 25 47.2%
Milton ON 248 169 79 46.7%
Rosemont QC 301 206 95 46.1%
Belleville ON 251 172 79 45.9%
Maisonneuve QC 100 69 31 44.9%
Peterborough ON 305 212 93 43.9%
Lower Sackville NS 183 128 55 43.0%
Victoriaville QC 178 125 53 42.4%
Cornwall ON 249 176 73 41.5%
Prince Albert SK 164 116 48 41.4%
Rouyn-Noranda QC 158 112 46 41.1%
Saint-Lin-Laurentides QC 186 132 54 40.9%
Maple Ridge BC 231 165 66 40.0%
Hochelaga QC 127 91 36 39.6%
Penticton BC 120 86 34 39.5%
St. Thomas ON 199 143 56 39.2%
Highlands BC 175 126 49 38.9%


Lowest Annual Growth Rates

We report twenty cities with the lowest growth rates.

City Province 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
Val-d’Or QC 116 151 -35 -23.2%
Chomedey QC 278 320 -42 -13.1%
Fabreville QC 71 79 -8 -10.1%
Rimouski QC 134 147 -13 -8.8%
Cote-Saint-Luc QC 84 91 -7 -7.7%
Thornhill ON 160 168 -8 -4.8%
Airdrie AB 291 305 -14 -4.6%
Magog QC 103 108 -5 -4.6%
Petite-Patrie QC 109 114 -5 -4.4%
Sorel QC 149 155 -6 -3.9%
Dollard-Des-Ormeaux QC 65 67 -2 -3.0%
Glace Bay NS 92 94 -2 -2.1%
Leduc AB 171 170 1 0.6%
Loretteville QC 117 116 1 0.9%
Kamloops BC 270 267 3 1.1%
Sherwood Park AB 240 237 3 1.3%
Saint-Hubert QC 268 264 4 1.5%
Villeray QC 138 136 2 1.5%
Chicoutimi QC 225 221 4 1.8%
Sherbrooke QC 514 505 9 1.8%
Rock Forest QC 91 89 2 2.2%
La Plaine QC 98 95 3 3.2%
Vaudreuil-Dorion QC 158 153 5 3.3%
Maple ON 105 101 4 4.0%
Gatineau QC 519 496 23 4.6%


10-Year Monthly Highs and Lows

For each of the 233 cities having at least 120 files annually, we determined the maximum and minimum monthly filings since 2013 and compared these to the current monthly filings to determine whether the city was experiencing an historic high or low number of filings.

Highs


Lows - none


Forward Sortation Areas

Most Active This Month

We list the 20 most active FSAs in the current month and show their mean monthly filings since 2013.

FSA FSA_Place_Name City Prov March2023 Mean March2023.over.Mean
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area QC 63 74 85.1%
L4N Barrie South Barrie ON 56 35 157.6%
T2A Calgary (Penbrooke Meadows / Marlborough) Calgary AB 49 28 169.7%
T5T Edmonton West (West Jasper Place / West Edmonton Mall) Edmonton AB 43 23 179.6%
M1B Scarborough (Malvern / Rouge River) Scarborough ON 38 20 182.5%
T4N Red Deer Central Red Deer AB 38 14 259.8%
T6L Edmonton (East Mill Woods) Edmonton AB 36 16 215.6%
G0A Capitale-Nationale (Stoneham) Rural Area QC 35 27 129.6%
M3N North York (Jane and Finch) North York ON 35 18 188.7%
T3J Calgary (Martindale / Taradale / Falconridge / Saddle Ridge) Calgary AB 35 23 149.8%
L1J Oshawa Southwest Oshawa ON 32 18 173.1%
G0R Appalaches (La Pocatiere) Rural Area QC 31 21 145.4%
K0K Quinte Shores Rural Area ON 31 27 114.2%
T6X Edmonton (Ellerslie) Edmonton AB 31 11 275.7%
J0L Monteregie-Nord (Saint-Antoine-Sur-Richelieu) Rural Area QC 30 33 89.2%
L7A Brampton West Brampton ON 30 19 152.7%
S0K Central Saskatchewan (Humboldt) Rural Area SK 30 16 179.8%
T1Y Calgary (Rundle / Whitehorn / Monterey Park) Calgary AB 30 20 147.4%
T0C Central Alberta (Stettler) Rural Area AB 29 11 243.8%
T0M Central Foothills (Sundre) Rural Area AB 29 18 158.2%


Highest Annual Growth Rates

We average over 10 years the number of monthly files of approximately 1,750 reported FSAs and we filter out FSAs having less than 72 files annually, leaving about 635 FSAs for further analysis. We compare the number of files in the 12-month period ended March 2023 to those in the 12-month period ended March 2022 to calculate growth. We show the top thirty.

FSA FSA_Place_Name City Province 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
J2T Saint-Hyacinthe East Saint-Hyacinthe QC 84 39 45 115.4%
K2J Nepean (Barrhaven) Nepean ON 160 81 79 97.5%
M6H West Toronto (Dufferin / Dovercourt Village) Toronto ON 133 70 63 90.0%
M2N Willowdale South Willowdale ON 124 67 57 85.1%
M1H Scarborough (Cedarbrae) Scarborough ON 77 42 35 83.3%
A1A St. John’s North St. John’s NL 106 58 48 82.8%
J8B Sainte-Adele Sainte-Adele QC 71 39 32 82.1%
B4H Amherst Amherst NS 80 44 36 81.8%
K1C Gloucester (West Orleans) Gloucester ON 79 44 35 79.5%
P7A Thunder Bay Northeast Thunder Bay ON 104 58 46 79.3%
B4C Lower Sackville South Lower Sackville NS 92 52 40 76.9%
B6L Truro Truro NS 49 28 21 75.0%
T5R Edmonton (Central Jasper Place / Buena Vista) Edmonton AB 105 60 45 75.0%
V9A Esquimalt Esquimalt BC 168 96 72 75.0%
N6K London (Riverbend / Woodhull / North Sharon Creek / Byron / West Westmount) London ON 100 58 42 72.4%
H1X Rosemont Central Rosemont QC 125 73 52 71.2%
N5P St. Thomas North St. Thomas ON 101 59 42 71.2%
B2H New Glasgow New Glasgow NS 75 44 31 70.5%
L1K Oshawa East Oshawa ON 98 58 40 69.0%
J6Y Terrebonne Southwest Terrebonne QC 62 37 25 67.6%
R2W Winnipeg (Point Douglas East) Winnipeg MB 135 81 54 66.7%
L8W Hamilton (West Albion Falls / Hannon / Rymal / Trenholme / Quinndale…) Hamilton ON 89 54 35 64.8%
S7K Saskatoon North Central Saskatoon SK 110 67 43 64.2%
G9T Grand-Mere Grand-Mere QC 80 49 31 63.3%
B0W Southwest Mainland (Weymouth) Rural Area NS 111 68 43 63.2%
G1C Beauport Central Beauport QC 123 76 47 61.8%
B0T Queens County (Shelburne) Rural Area NS 84 52 32 61.5%
B0M Cobequid Bay north shore (Springhill) Rural Area NS 92 57 35 61.4%
S0M Northwestern Saskatchewan (Battleford) Rural Area SK 137 85 52 61.2%
B3K Halifax Upper Harbour Halifax NS 95 59 36 61.0%


Lowest Annual Growth Rates

FSA FSA_Place_Name City Province 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
G7J Chicoutimi West Chicoutimi QC 53 79 -26 -32.9%
H2L Centre-Sud South Montreal QC 51 68 -17 -25.0%
G7S Jonquiere Northeast Jonquiere QC 38 50 -12 -24.0%
J9P Val-d’Or Val-d’Or QC 116 151 -35 -23.2%
J4V Greenfield Park Greenfield Park QC 47 59 -12 -20.3%
J2K Cowansville Cowansville QC 59 73 -14 -19.2%
T4S Sylvan Lake Sylvan Lake AB 85 104 -19 -18.3%
J3E Sainte-Julie Sainte-Julie QC 33 40 -7 -17.5%
H7W Chomedey South Chomedey QC 111 133 -22 -16.5%
H7T Chomedey Northwest Chomedey QC 67 80 -13 -16.2%
M9A Etobicoke (Islington Avenue) Etobicoke ON 102 121 -19 -15.7%
H4W Cote-Saint-Luc West Cote-Saint-Luc QC 41 48 -7 -14.6%
T0K International Border Region (Cardston) Rural Area AB 134 157 -23 -14.6%
J2W Saint-Luc Saint-Luc QC 65 76 -11 -14.5%
V0H South Okanagan (Summerland) Rural Area BC 93 108 -15 -13.9%
J5K Saint-Colomban Saint-Colomban QC 40 46 -6 -13.0%
J8Z Hull North Hull QC 47 54 -7 -13.0%
G1P Quebec City West Quebec City QC 55 63 -8 -12.7%
G5L Rimouski Central Rimouski QC 96 110 -14 -12.7%
H3N Parc-Extension Parc-Extension QC 49 56 -7 -12.5%
J6Z Sainte-Therese-de-Blainville Northeast Sainte-Therese-de-Blainville QC 35 40 -5 -12.5%
R2K Winnipeg (River East Central) Winnipeg MB 92 105 -13 -12.4%
E2V Oromocto Oromocto NB 58 66 -8 -12.1%
J3P Sorel Central Sorel QC 87 99 -12 -12.1%
T4B Airdrie West Airdrie AB 212 239 -27 -11.3%
H1B Montreal East Montreal QC 98 110 -12 -10.9%
L4J Thornhill West Thornhill ON 74 83 -9 -10.8%
H7P Fabreville Fabreville QC 71 79 -8 -10.1%
K6A Hawkesbury Hawkesbury ON 62 69 -7 -10.1%
T0C Central Alberta (Stettler) Rural Area AB 163 181 -18 -9.9%


Notes and Data Sources

  • FSA and Forward Sortation Area are protected terms for the benefit of Canada Post Corporation.

  • Data sources: the Office of the Superintendent of Bankruptcy (“OSB”); Canada Post Corporation.

  • We report only on consumer bankruptcies and consumer proposals as defined by the OSB. As such and although immaterial, we include in “consumer proposals” those BIA Division 1 proposals made by a natural person if their Licensed Insolvency Trustee reports consumer-related debts exceed 50% of total debts.

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