QC

Monthly Filings

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


Consumer Proposals


Annual File Growth

To measure growth and include recent trends we eliminate variances occurring both month-to-month and seasonally by comparing total filings in the 12 months ending March 2023 with the 12 months ending March 2022.


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.


Cities

Most Active This Month

Highest Annual Growth Rate

We filter out those cities having less than 120 filings per year and report the twenty having the highest growth.

City 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
Mascouche 177 109 68 62.4%
Auteuil 78 53 25 47.2%
Rosemont 301 206 95 46.1%
Maisonneuve 100 69 31 44.9%
Victoriaville 178 125 53 42.4%
Rouyn-Noranda 158 112 46 41.1%
Saint-Lin-Laurentides 186 132 54 40.9%
Hochelaga 127 91 36 39.6%
Lachute 95 69 26 37.7%
L’Assomption 85 62 23 37.1%
Saint-Hyacinthe 293 215 78 36.3%
Trois-Rivieres 374 276 98 35.5%
Ville-Emard 108 80 28 35.0%
Brossard 212 159 53 33.3%
La Prairie 100 75 25 33.3%
Joliette 246 188 58 30.9%
Terrebonne 302 231 71 30.7%
Aylmer QC 220 171 49 28.7%
Cartierville 104 81 23 28.4%
Vimont 77 60 17 28.3%


Lowest Annual Growth Rate

We report 10 cities with the lowest growth rates.

City 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
Val-d’Or 116 151 -35 -23.2%
Chomedey 278 320 -42 -13.1%
Fabreville 71 79 -8 -10.1%
Rimouski 134 147 -13 -8.8%
Cote-Saint-Luc 84 91 -7 -7.7%
Magog 103 108 -5 -4.6%
Petite-Patrie 109 114 -5 -4.4%
Sorel 149 155 -6 -3.9%
Dollard-Des-Ormeaux 65 67 -2 -3.0%
Loretteville 117 116 1 0.9%


10-Year Monthly Highs and Lows

For each city 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.

Peaks - none


Lows - none


Forward Sortation Areas

Most Active This Month

The 30 most active FSAs in the current month and their mean monthly filings since 2013.

FSA FSA.Place.Name City March2023 Mean March2023.over.Mean
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area 63 74 85.1%
G0A Capitale-Nationale (Stoneham) Rural Area 35 27 129.6%
G0R Appalaches (La Pocatiere) Rural Area 31 21 145.4%
J0L Monteregie-Nord (Saint-Antoine-Sur-Richelieu) Rural Area 30 33 89.2%
J2B Drummondville South Drummondville 28 15 179.1%
G0S Chaudiere-Nord (Saint-Joseph-De-Beauce) Rural Area 27 20 134.0%
J6E Joliette Joliette 26 21 120.4%
G0C Gaspe-Sud (New Richmond) Rural Area 25 17 144.5%
H1G Montreal North North Montreal 25 23 107.6%
J1H Sherbrooke Central Sherbrooke 25 13 183.0%
G1E Beauport South Beauport 24 15 158.1%
J7K Mascouche Extremities Mascouche 24 15 151.6%
J7Z Saint-Jerome Southeast Saint-Jerome 24 21 111.9%
J0T Laurentides-Nord (Montcalm) Rural Area 22 24 90.0%
J3Y Saint-Hubert Central Saint-Hubert 22 22 99.5%
J0B Estrie-Est (Stanstead) Rural Area 21 19 108.2%
J8P Gatineau Southeast Gatineau 21 26 79.8%
G9A Trois-Rivieres East Trois-Rivieres 20 12 161.4%
H7N Laval-des-Rapides Laval-des-Rapides 19 21 89.4%
J0V Laurentides-Sud (Cheneville) Rural Area 19 13 136.2%
J6S Salaberry-de-Valleyfield North Salaberry-de-Valleyfield 19 12 146.6%
J7R Saint-Eustache Southwest Saint-Eustache 19 15 121.3%
J8T Gatineau Southwest Gatineau 19 22 85.4%
G1L Quebec City Northeast Quebec City 18 11 150.1%
J1X Magog Magog 18 12 146.0%
J2S Saint-Hyacinthe Southwest Saint-Hyacinthe 18 13 134.5%
G0L Bas-St-Laurent-Ouest (Trois-Pistoles) Rural Area 17 16 100.3%
G7H Chicoutimi East Chicoutimi 17 9 171.4%
G8T Cap-de-la-Madeleine Central and southeast Cap-de-la-Madeleine 17 15 111.8%
H1E Riviere-des-Prairies Southwest Montreal 17 15 112.4%


Highest Annual Growth Rates

We average over 10 years the number of monthly files in FSAs and we filter out those having less than 72 files annually. 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 the recent trend in filings.

FSA FSA_Place_Name City 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
J2T Saint-Hyacinthe East Saint-Hyacinthe 84 39 45 115.4%
J8B Sainte-Adele Sainte-Adele 71 39 32 82.1%
H1X Rosemont Central Rosemont 125 73 52 71.2%
J6Y Terrebonne Southwest Terrebonne 62 37 25 67.6%
G9T Grand-Mere Grand-Mere 80 49 31 63.3%
G1C Beauport Central Beauport 123 76 47 61.8%
H4L Saint-Laurent Inner Northeast Saint-Laurent 72 45 27 60.0%
H2K Centre-Sud North Montreal 103 65 38 58.5%
J9A Hull Southwest Hull 53 34 19 55.9%
G1K Quebec City Mid-Riverbank Quebec City 94 61 33 54.1%
J8C Sainte-Agathe-Des-Monts Sainte-Agathe-Des-Monts 63 41 22 53.7%
H3W Cotes-des-Neiges Southwest Cote-des-Neiges 76 51 25 49.0%
J6A Repentigny South Repentigny 116 78 38 48.7%
J0V Laurentides-Sud (Cheneville) Rural Area 126 85 41 48.2%
J5A Saint-Constant Saint-Constant 80 54 26 48.1%
J7K Mascouche Extremities Mascouche 132 90 42 46.7%
H1V Maisonneuve Maisonneuve 100 69 31 44.9%
G8Z Trois-Rivieres Northeast Trois-Rivieres 75 52 23 44.2%
G3K Val-Belair South Val-Belair 78 55 23 41.8%
H7A Duvernay-Est Duvernay 51 36 15 41.7%
H7G Pont-Viau Pont-Viau 96 68 28 41.2%
G1M Quebec City North Central Quebec City 141 100 41 41.0%
G4X Gaspe Gaspe 62 44 18 40.9%
J6K Chateauguay South Chateauguay 70 50 20 40.0%
H1W Hochelaga Hochelaga 127 91 36 39.6%


Lowest Annual Growth Rates

FSA FSA_Place_Name City 12.mos.to.Mar2023 12.mos.to.Mar2022 Change Percent Change
G7J Chicoutimi West Chicoutimi 53 79 -26 -32.9%
H2L Centre-Sud South Montreal 51 68 -17 -25.0%
G7S Jonquiere Northeast Jonquiere 38 50 -12 -24.0%
J9P Val-d’Or Val-d’Or 116 151 -35 -23.2%
J4V Greenfield Park Greenfield Park 47 59 -12 -20.3%
J2K Cowansville Cowansville 59 73 -14 -19.2%
J3E Sainte-Julie Sainte-Julie 33 40 -7 -17.5%
H7W Chomedey South Chomedey 111 133 -22 -16.5%
H7T Chomedey Northwest Chomedey 67 80 -13 -16.2%
H4W Cote-Saint-Luc West Cote-Saint-Luc 41 48 -7 -14.6%
J2W Saint-Luc Saint-Luc 65 76 -11 -14.5%
J5K Saint-Colomban Saint-Colomban 40 46 -6 -13.0%
J8Z Hull North Hull 47 54 -7 -13.0%
G1P Quebec City West Quebec City 55 63 -8 -12.7%
G5L Rimouski Central Rimouski 96 110 -14 -12.7%


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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