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Data to May 2023. For data source see notes following.


Canada

Monthly Filings

A five-year chart of nation-wide consumer filings.


Consumer Proposals

Filings of consumer proposals as a percentage of all filings.


Annual File Growth

To measure growth we compare total filings in the 12 months ending May 2023 to those in the 12 months ended May 2022.


Provincial

Annual File Growth

We break down 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 May2023 Mean May2023.over.Mean
Montreal - CMA 1166 1349.9 86.4%
Toronto Region 869 662.6 131.2%
Vancouver Metro 541 404.3 133.8%
Calgary - CMA 537 356.1 150.8%
Edmonton - CMA 495 345.5 143.3%
Peel Region 407 328.8 123.8%
Ottawa-Gatineau - CMA 305 352.0 86.6%
London - CMA 253 189.6 133.5%
York Region 214 165.4 129.4%
Winnipeg - CMA 203 133.1 152.5%
Quebec City - CMA 195 196.4 99.3%
Hamilton - CMA 184 155.0 118.7%
Durham Region 172 138.9 123.8%
Kitchener - Cambridge -Waterloo - CMA 170 146.3 116.2%
Halifax - CMA 141 135.2 104.3%
St. Catharines - Niagara - CMA 127 104.3 121.8%
Windsor - CMA 113 91.3 123.7%
Barrie - CMA 109 102.7 106.2%
Greater Sudbury - CMA 107 89.6 119.4%
Halton Region 102 85.0 120.0%
Saskatoon - CMA 101 58.6 172.3%
St. John’s - CMA 99 89.0 111.3%
Victoria - CMA 87 82.2 105.8%
Sherbrooke - CMA 78 86.5 90.1%
Regina - CMA 74 55.9 132.3%
Trois Rivieres - CMA 73 59.4 122.9%
Kamloops - CMA 71 43.0 165.3%
Saint John - CMA 69 57.1 120.8%
Belleville-Quinte West - CMA 67 56.2 119.3%
Kelowna - CMA 65 54.2 119.9%
Peterborough - CMA 62 50.1 123.8%
Kingston - CMA 57 43.9 130.0%
Moncton - CMA 54 71.0 76.1%
Abbotsford - CMA 51 38.2 133.5%
Lethbridge - CMA 47 32.8 143.4%
Fredericton - CMA 46 42.0 109.5%
Brantford - CMA 42 33.0 127.3%
Chilliwack - CMA 35 20.4 171.8%
Guelph - CMA 34 29.6 114.8%
Nanaimo - CMA 34 29.3 116.0%
Thunder Bay - CMA 34 33.5 101.6%


Cities

Most Active This Month

We rank cities by the number of consumer insolvencies filed in the most recent month.

City Province May2023 Mean May2023.over.Mean
Calgary AB 485 319.9 151.6%
Edmonton AB 377 262.5 143.6%
Scarborough ON 207 162.4 127.5%
Winnipeg MB 203 131.6 154.3%
Brampton ON 202 149.2 135.4%
Toronto ON 192 143.2 134.0%
London ON 172 119.4 144.1%
Mississauga ON 172 156.9 109.6%
Hamilton ON 152 114.5 132.8%
North York ON 152 120.3 126.3%
Montreal QC 151 165.2 91.4%
Etobicoke ON 132 93.8 140.8%
Vancouver BC 123 98.4 125.0%
Surrey BC 121 99.8 121.2%
Saskatoon SK 101 58.6 172.3%
Windsor ON ON 86 70.0 122.9%
Ottawa ON 80 88.0 90.9%
Kitchener ON 79 68.1 116.0%
Regina SK 74 55.8 132.6%
Oshawa ON 70 57.0 122.8%
Quebec City QC 67 73.1 91.7%
Longueuil QC 65 71.2 91.3%
Red Deer AB 65 40.5 160.7%
Burnaby BC 62 34.0 182.1%
St. Catharines ON 62 44.8 138.3%


Highest Annual Growth Rates

Of approximately 654 cities we filter out those with less than 120 filings per year, leaving 192 more active cities. We rank the top 25 by rate of annual growth.

City Province 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
Bowmanville ON 159 91 68 74.7%
Lower Sackville NS 212 125 87 69.6%
Mascouche QC 186 113 73 64.6%
Vimont QC 93 57 36 63.2%
Belleville ON 271 167 104 62.3%
Esquimalt BC 168 104 64 61.5%
Penticton BC 137 86 51 59.3%
Cartierville QC 117 75 42 56.0%
Auteuil QC 80 52 28 53.8%
Niagara Falls ON 384 251 133 53.0%
Abbotsford BC 432 285 147 51.6%
St. John’s NL 405 272 133 48.9%
New Westminster BC 225 152 73 48.0%
Prince Albert SK 177 121 56 46.3%
Saint-Hyacinthe QC 312 215 97 45.1%
Don Mills ON 143 99 44 44.4%
Halifax NS 591 413 178 43.1%
Brossard QC 226 158 68 43.0%
Cote-Saint-Luc QC 107 75 32 42.7%
Saint-Laurent QC 223 158 65 41.1%
Dartmouth NS 430 305 125 41.0%
Highlands BC 186 132 54 40.9%
Trenton ON 146 104 42 40.4%
Truro NS 160 114 46 40.4%
Guelph ON 410 293 117 39.9%


Lowest Annual Growth Rates

We report 25 cities with the lowest annual growth rates.

City Province 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
Val-d’Or QC 118 139 -21 -15.1%
Leduc AB 164 186 -22 -11.8%
Rimouski QC 134 152 -18 -11.8%
Chomedey QC 276 308 -32 -10.4%
Petite-Patrie QC 115 125 -10 -8.0%
Saint-Pierre QC 105 112 -7 -6.2%
Buckingham QC 108 114 -6 -5.3%
Villeray QC 138 144 -6 -4.2%
Vaudreuil-Dorion QC 161 167 -6 -3.6%
Airdrie AB 301 302 -1 -0.3%
Thornhill ON 170 170 0 0.0%
Loretteville QC 118 117 1 0.9%
Fabreville QC 81 79 2 2.5%
Lachine QC 133 129 4 3.1%
Sherbrooke QC 522 504 18 3.6%
Magog QC 108 104 4 3.8%
Beloeil QC 127 122 5 4.1%
Dollard-Des-Ormeaux QC 67 64 3 4.7%
Maple ON 104 98 6 6.1%
Chambly QC 133 125 8 6.4%
St. Albert AB 196 184 12 6.5%
Glace Bay NS 95 89 6 6.7%
Miramichi NB 111 104 7 6.7%
Prince George BC 248 232 16 6.9%
Salaberry-de-Valleyfield QC 230 215 15 7.0%


10-Year Monthly Highs and Lows

We determined the maximum and minimum monthly filings for each city 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.

New Highs


New Lows


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 May2023 Mean May2023.over.Mean
T2A Calgary (Penbrooke Meadows / Marlborough) Calgary AB 42 29.1 144.3%
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area QC 38 73.6 51.6%
T5T Edmonton West (West Jasper Place / West Edmonton Mall) Edmonton AB 38 24.1 157.6%
G0A Capitale-Nationale (Stoneham) Rural Area QC 35 27.0 129.5%
L7A Brampton West Brampton ON 35 19.7 177.8%
T3K Calgary (Sandstone / Harvest Hills / Coventry Hills / Panorama Hills / Beddington) Calgary AB 35 18.3 191.0%
L4N Barrie South Barrie ON 34 35.6 95.6%
H7N Laval-des-Rapides Laval-des-Rapides QC 33 21.3 155.2%
J0L Monteregie-Nord (Saint-Antoine-Sur-Richelieu) Rural Area QC 33 33.5 98.4%
T2Z Calgary (Douglas Glen / McKenzie Lake / Copperfield / East Shepard) Calgary AB 32 17.3 185.4%
K0K Quinte Shores Rural Area ON 29 27.2 106.6%
S7L Saskatoon West Saskatoon SK 29 13.7 211.7%
G0X Mauricie (Parent) Rural Area QC 28 19.5 143.4%
M1J Scarborough (Eglinton) Scarborough ON 28 13.8 203.6%
T6W Edmonton (Heritage Valley) Edmonton AB 28 15.3 183.5%
L3V Orillia Orillia ON 26 17.0 152.9%
M1B Scarborough (Malvern / Rouge River) Scarborough ON 26 20.9 124.6%
L6Y Brampton South Brampton ON 25 19.8 126.6%
M9W Etobicoke Northwest (Clairville / Humberwood / Woodbine Downs / West Humber…) Etobicoke ON 25 12.6 198.5%
T4P Red Deer North Red Deer AB 25 14.5 172.3%


Highest Annual Growth Rates

We average over 10 years the monthly consumer insolvencies in 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-months ended May 2023 to those in the 12-months ended May 2022 to calculate growth. We show the top 30.

FSA FSA_Place_Name City Province 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
B0S West Annapolis County (Middleton) Rural Area NS 69 32 37 115.6%
H4L Saint-Laurent Inner Northeast Saint-Laurent QC 83 39 44 112.8%
B4C Lower Sackville South Lower Sackville NS 110 53 57 107.5%
A1A St. John’s North St. John’s NL 117 58 59 101.7%
J8B Sainte-Adele Sainte-Adele QC 73 37 36 97.3%
J2T Saint-Hyacinthe East Saint-Hyacinthe QC 90 47 43 91.5%
L8W Hamilton (West Albion Falls / Hannon / Rymal / Trenholme / Quinndale…) Hamilton ON 98 52 46 88.5%
B2H New Glasgow New Glasgow NS 86 46 40 87.0%
L1K Oshawa East Oshawa ON 108 58 50 86.2%
S7K Saskatoon North Central Saskatoon SK 120 66 54 81.8%
B4H Amherst Amherst NS 85 47 38 80.9%
B0W Southwest Mainland (Weymouth) Rural Area NS 119 66 53 80.3%
M1H Scarborough (Cedarbrae) Scarborough ON 80 45 35 77.8%
K1C Gloucester (West Orleans) Gloucester ON 79 45 34 75.6%
G9T Grand-Mere Grand-Mere QC 86 49 37 75.5%
B6L Truro Truro NS 49 28 21 75.0%
L6Z Brampton West Central Brampton ON 89 51 38 74.5%
L1C Bowmanville West Bowmanville ON 139 80 59 73.8%
P7A Thunder Bay Northeast Thunder Bay ON 104 60 44 73.3%
K8N Belleville East Belleville ON 120 70 50 71.4%
M6H West Toronto (Dufferin / Dovercourt Village) Toronto ON 130 76 54 71.1%
G1K Quebec City Mid-Riverbank Quebec City QC 102 60 42 70.0%
B0M Cobequid Bay north shore (Springhill) Rural Area NS 95 56 39 69.6%
H4R Saint-Laurent Central Saint-Laurent QC 47 28 19 67.9%
L8H Hamilton (West Kentley / McQuesten / Parkview / Hamilton Beach…) Hamilton ON 132 79 53 67.1%
A0K Northwest Newfoundland/Eastern Labrador (Mary’s Harbour) Rural Area NL 90 54 36 66.7%
L5M Mississauga (Churchill Meadows / Central Erin Mills / South Streetsville) Mississauga ON 183 110 73 66.4%
P3A Greater Sudbury (New Sudbury) Greater Sudbury ON 109 66 43 65.2%
N1H Guelph Northwest Guelph ON 166 101 65 64.4%
B2Y Dartmouth South Central Dartmouth NS 72 44 28 63.6%


Lowest Annual Growth Rates

And we show the bottom 30.

FSA FSA_Place_Name City Province 12.mos.to.May2023 12.mos.to.May2022 Change Percent Change
L5J Mississauga (Clarkson / Southdown) Mississauga ON 56 80 -24 -30.0%
J2W Saint-Luc Saint-Luc QC 59 83 -24 -28.9%
H2L Centre-Sud South Montreal QC 53 72 -19 -26.4%
G7J Chicoutimi West Chicoutimi QC 57 76 -19 -25.0%
G5L Rimouski Central Rimouski QC 95 118 -23 -19.5%
H2E Villeray Northeast Villeray QC 66 79 -13 -16.5%
H7T Chomedey Northwest Chomedey QC 66 79 -13 -16.5%
G7S Jonquiere Northeast Jonquiere QC 41 49 -8 -16.3%
J5C Sainte-Catherine Sainte-Catherine QC 47 56 -9 -16.1%
J1H Sherbrooke Central Sherbrooke QC 147 174 -27 -15.5%
H3N Parc-Extension Parc-Extension QC 50 59 -9 -15.3%
P0H Nipissing North (Callander) Rural Area ON 72 85 -13 -15.3%
J9P Val-d’Or Val-d’Or QC 118 139 -21 -15.1%
H7W Chomedey South Chomedey QC 107 125 -18 -14.4%
H2S Petite-Patrie Southwest Petite-Patrie QC 58 67 -9 -13.4%
M9A Etobicoke (Islington Avenue) Etobicoke ON 103 118 -15 -12.7%
T9E Leduc Leduc AB 164 186 -22 -11.8%
K9V Lindsay Lindsay ON 90 101 -11 -10.9%
V0H South Okanagan (Summerland) Rural Area BC 99 111 -12 -10.8%
J4V Greenfield Park Greenfield Park QC 51 57 -6 -10.5%
J7V Vaudreuil-Dorion Vaudreuil-Dorion QC 113 126 -13 -10.3%
K8A Pembroke Central and northern subdivisions Pembroke ON 82 91 -9 -9.9%
N6C London South (East Highland / North White Oaks / North Westminster) London ON 107 118 -11 -9.3%
G1P Quebec City West Quebec City QC 53 58 -5 -8.6%
N0P Kent (Blenheim) Rural Area ON 131 143 -12 -8.4%
T4B Airdrie West Airdrie AB 214 233 -19 -8.2%
J3P Sorel Central Sorel QC 92 100 -8 -8.0%
J3E Sainte-Julie Sainte-Julie QC 36 39 -3 -7.7%
K1K Ottawa (Overbrook) Ottawa ON 140 151 -11 -7.3%
R2G Winnipeg (River East North) Winnipeg MB 77 83 -6 -7.2%


Notes

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

  • Data source: The Office of the Superintendent of Bankruptcy (“OSB”), Innovation, Science and Economic Development Canada, data sets 2013 to May 2023, https://open.canada.ca/

  • We report on only consumer bankruptcies and consumer proposals as defined by the OSB. For definitions, see https://open.canada.ca/

  • Ken Rowan is a retired Licensed Insolvency Trustee and a retired CA, CPA.

Questions or Comments? Email debtsgo.ca