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


Canada

Monthly Filings

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


Consumer Proposals

Consumer proposal filings in June 2023 were 78.4% of all consumer filings.


Annual File Growth

To measure growth we compare total filings in the 12 months ending June 2023 to those in the 12 months ended June 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 June2023 Mean June2023.over.Mean
Montreal - CMA 996 1347.1 73.9%
Toronto Region 867 664.2 130.5%
Vancouver Metro 543 405.4 133.9%
Edmonton - CMA 542 347.0 156.2%
Calgary - CMA 474 357.0 132.8%
Peel Region 432 329.6 131.1%
Ottawa-Gatineau - CMA 346 352.0 98.3%
London - CMA 236 189.9 124.3%
Winnipeg - CMA 219 133.8 163.6%
Hamilton - CMA 211 155.5 135.7%
York Region 203 165.7 122.5%
Quebec City - CMA 188 196.3 95.8%
Kitchener - Cambridge -Waterloo - CMA 173 146.5 118.1%
Durham Region 169 139.1 121.5%
Halifax - CMA 141 135.2 104.3%
Halton Region 124 85.3 145.4%
St. Catharines - Niagara - CMA 119 104.4 114.0%
Barrie - CMA 117 102.8 113.8%
Victoria - CMA 102 82.4 123.8%
St. John’s - CMA 97 89.0 109.0%
Greater Sudbury - CMA 96 89.6 107.1%
Windsor - CMA 92 91.3 100.7%
Regina - CMA 87 56.2 154.8%
Saskatoon - CMA 85 58.8 144.5%
Belleville-Quinte West - CMA 81 56.4 143.7%
Sherbrooke - CMA 68 86.4 78.7%
Kelowna - CMA 63 54.3 116.1%
Saint John - CMA 63 57.2 110.2%
Moncton - CMA 60 70.9 84.6%
Kamloops - CMA 55 43.1 127.7%
Kingston - CMA 53 43.9 120.7%
Abbotsford - CMA 52 38.3 135.7%
Trois Rivieres - CMA 48 59.3 81.0%
Brantford - CMA 47 33.1 142.0%
Peterborough - CMA 47 50.1 93.9%
Lethbridge - CMA 46 32.9 139.9%
Thunder Bay - CMA 46 33.6 137.1%
Guelph - CMA 42 29.7 141.3%
Fredericton - CMA 40 42.0 95.2%
Nanaimo - CMA 32 29.3 109.1%
Chilliwack - CMA 28 20.4 137.1%


Cities

Most Active This Month

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

City Province June2023 Mean June2023.over.Mean
Toronto ON 766 588.4 130.2%
Calgary AB 420 320.7 131.0%
Edmonton AB 417 263.7 158.1%
Winnipeg MB 214 132.2 161.9%
Brampton ON 206 149.7 137.6%
Mississauga ON 194 157.2 123.4%
London ON 162 119.7 135.3%
Hamilton ON 159 114.8 138.5%
Surrey BC 138 100.1 137.8%
Montreal QC 128 164.9 77.6%
Vancouver BC 119 98.5 120.8%
Regina SK 87 56.0 155.2%
Saskatoon SK 85 58.8 144.5%
Ottawa ON 82 88.0 93.2%
Oshawa ON 78 57.2 136.4%
Kitchener ON 72 68.1 105.7%
Barrie ON 71 54.6 130.0%
Windsor ON ON 70 70.0 100.0%
Quebec City QC 66 73.0 90.4%
Cambridge ON 63 39.1 161.0%
Red Deer AB 61 40.6 150.2%
Burnaby BC 59 34.2 172.3%
Longueuil QC 58 71.1 81.6%
Greater Sudbury ON 57 50.4 113.1%
Fort McMurray AB 54 23.8 227.3%


Highest Annual Growth Rates

Of approximately 650 cities we filter out those with less than 120 filings per year, leaving 190 more active cities. We rank the top 25 by rate of annual growth.

City Province 12.mos.to.June2023 12.mos.to.June2022 Change Percent Change
Bowmanville ON 167 92 75 81.5%
Penticton BC 146 83 63 75.9%
New Westminster BC 243 147 96 65.3%
Belleville ON 282 171 111 64.9%
Mascouche QC 197 120 77 64.2%
Auteuil QC 85 52 33 63.5%
Lower Sackville NS 214 135 79 58.5%
Don Mills ON 152 97 55 56.7%
Niagara Falls ON 396 257 139 54.1%
Abbotsford BC 441 287 154 53.7%
Cartierville QC 118 78 40 51.3%
St. John’s NL 412 276 136 49.3%
Esquimalt BC 166 113 53 46.9%
Guelph ON 429 293 136 46.4%
Victoria BC 169 117 52 44.4%
Port Coquitlam BC 254 176 78 44.3%
Charlottetown PE 167 117 50 42.7%
Burnaby BC 485 341 144 42.2%
Vimont QC 91 64 27 42.2%
Charlesbourg QC 203 143 60 42.0%
Oakville ON 319 225 94 41.8%
Cote-Saint-Luc QC 109 77 32 41.6%
Kelowna BC 426 303 123 40.6%
Prince Albert SK 181 129 52 40.3%
Richmond BC 366 261 105 40.2%


Lowest Annual Growth Rates

We report 25 cities with the lowest annual growth rates.

City Province 12.mos.to.June2023 12.mos.to.June2022 Change Percent Change
Saint-Pierre QC 101 118 -17 -14.4%
Val-d’Or QC 119 133 -14 -10.5%
Petite-Patrie QC 117 125 -8 -6.4%
Leduc AB 172 182 -10 -5.5%
Rimouski QC 140 147 -7 -4.8%
Chomedey QC 294 302 -8 -2.6%
Prince George BC 244 248 -4 -1.6%
Villeray QC 135 137 -2 -1.5%
Buckingham QC 114 115 -1 -0.9%
Lachine QC 134 135 -1 -0.7%
Saint-Michel QC 146 145 1 0.7%
Maisonneuve QC 89 87 2 2.3%
Airdrie AB 304 293 11 3.8%
Thornhill ON 174 167 7 4.2%
La Prairie QC 88 84 4 4.8%
Saint-Jerome QC 473 451 22 4.9%
Moncton NB 471 446 25 5.6%
Anjou QC 148 140 8 5.7%
Fabreville QC 85 80 5 6.2%
St. Albert AB 196 183 13 7.1%
Sherbrooke QC 530 492 38 7.7%
Shawinigan QC 150 139 11 7.9%
Saint-Jean-sur-Richelieu QC 324 299 25 8.4%
Loretteville QC 125 115 10 8.7%
Ville-Emard QC 100 92 8 8.7%


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 - 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 June2023 Mean June2023.over.Mean
J0K Lanaudiere-Nord (Saint-Esprit) Rural Area QC 46 73.4 62.7%
L4N Barrie South Barrie ON 42 35.6 117.9%
T2A Calgary (Penbrooke Meadows / Marlborough) Calgary AB 36 29.2 123.5%
K0K Quinte Shores Rural Area ON 32 27.3 117.4%
L7A Brampton West Brampton ON 30 19.8 151.8%
T3K Calgary (Sandstone / Harvest Hills / Coventry Hills / Panorama Hills / Beddington) Calgary AB 29 18.4 157.5%
T5T Edmonton West (West Jasper Place / West Edmonton Mall) Edmonton AB 29 24.2 120.1%
T5Y Edmonton (Landbank / Oliver / East Lake District) Edmonton AB 29 14.6 198.3%
T9K Fort McMurray Northwest Fort McMurray AB 29 12.3 236.7%
L5A Mississauga (Mississauga Valleys / East Cooksville) Mississauga ON 28 16.6 169.1%
T6X Edmonton (Ellerslie) Edmonton AB 28 11.5 244.0%
L6Y Brampton South Brampton ON 27 19.8 136.3%
M3A North York (York Heights / Victoria Village / Parkway East) Toronto ON 27 12.5 216.7%
N5W London East (SW Argyle / Hamilton Road) London ON 27 10.0 271.3%
T4N Red Deer Central Red Deer AB 27 14.8 182.9%
K0A National Capital Region (Almonte) Rural Area ON 26 23.2 111.9%
L4M Barrie North Barrie ON 26 17.7 146.9%
V3R Surrey North Surrey BC 26 15.5 167.5%
L5B Mississauga (West Cooksville / Fairview / City Centre / East Creditview) Mississauga ON 25 15.8 158.5%
L6R Brampton Northwest Brampton ON 25 16.8 148.4%


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 June 2023 to those in the 12-months ended June 2022 to calculate growth. We show the top 30.

FSA FSA_Place_Name City Province 12.mos.to.June2023 12.mos.to.June2022 Change Percent Change
A1A St. John’s North St. John’s NL 119 57 62 108.8%
S7K Saskatoon North Central Saskatoon SK 131 65 66 101.5%
B0S West Annapolis County (Middleton) Rural Area NS 68 34 34 100.0%
A0K Northwest Newfoundland/Eastern Labrador (Mary’s Harbour) Rural Area NL 99 50 49 98.0%
J8B Sainte-Adele Sainte-Adele QC 75 40 35 87.5%
L1K Oshawa East Oshawa ON 116 63 53 84.1%
B4C Lower Sackville South Lower Sackville NS 110 60 50 83.3%
M6H West Toronto (Dufferin / Dovercourt Village) Toronto ON 143 78 65 83.3%
N6K London (Riverbend / Woodhull / North Sharon Creek / Byron / West Westmount) London ON 111 61 50 82.0%
L6Z Brampton West Central Brampton ON 98 54 44 81.5%
G1K Quebec City Mid-Riverbank Quebec City QC 107 59 48 81.4%
H4L Saint-Laurent Inner Northeast Saint-Laurent QC 81 45 36 80.0%
B0W Southwest Mainland (Weymouth) Rural Area NS 124 69 55 79.7%
L1C Bowmanville West Bowmanville ON 144 81 63 77.8%
B2H New Glasgow New Glasgow NS 87 49 38 77.6%
N1H Guelph Northwest Guelph ON 173 98 75 76.5%
V2A Penticton Penticton BC 146 83 63 75.9%
V3L New Westminster Northeast New Westminster BC 95 54 41 75.9%
K1C Gloucester (West Orleans) Gloucester ON 82 47 35 74.5%
M1H Scarborough (Cedarbrae) Toronto ON 85 49 36 73.5%
P7A Thunder Bay Northeast Thunder Bay ON 107 62 45 72.6%
L8G Hamilton (Greenford / North Gershome / West Stoney Creek) Hamilton ON 84 49 35 71.4%
L5M Mississauga (Churchill Meadows / Central Erin Mills / South Streetsville) Mississauga ON 188 110 78 70.9%
L2H Niagara Falls West Niagara Falls ON 102 60 42 70.0%
J2T Saint-Hyacinthe East Saint-Hyacinthe QC 90 53 37 69.8%
K0J Renfrew County and Lanark Highlands Township (Deep River) Rural Area ON 77 46 31 67.4%
B5A Yarmouth Yarmouth NS 100 60 40 66.7%
B0M Cobequid Bay north shore (Springhill) Rural Area NS 99 60 39 65.0%
K8N Belleville East Belleville ON 120 73 47 64.4%
L8V Hamilton (Raleigh / Macassa / Lawfield / Thorner / Burkholme / Eastmount) Hamilton ON 108 66 42 63.6%


Lowest Annual Growth Rates

And we show the bottom 30.

FSA FSA_Place_Name City Province 12.mos.to.June2023 12.mos.to.June2022 Change Percent Change
J2W Saint-Luc Saint-Luc QC 58 79 -21 -26.6%
L5J Mississauga (Clarkson / Southdown) Mississauga ON 58 77 -19 -24.7%
H2S Petite-Patrie Southwest Petite-Patrie QC 57 71 -14 -19.7%
H2L Centre-Sud South Montreal QC 56 69 -13 -18.8%
G1P Quebec City West Quebec City QC 50 61 -11 -18.0%
J4V Greenfield Park Greenfield Park QC 49 58 -9 -15.5%
G5L Rimouski Central Rimouski QC 99 117 -18 -15.4%
H8R Saint-Pierre Saint-Pierre QC 101 118 -17 -14.4%
N2C Kitchener South Central Kitchener ON 65 75 -10 -13.3%
G7B La Baie La Baie QC 55 63 -8 -12.7%
J7P Saint-Eustache Northeast Saint-Eustache QC 91 104 -13 -12.5%
J5L Saint-Jerome West Saint-Jerome QC 84 95 -11 -11.6%
M9A Etobicoke (Islington Avenue) Toronto ON 100 113 -13 -11.5%
G7J Chicoutimi West Chicoutimi QC 63 71 -8 -11.3%
H3N Parc-Extension Parc-Extension QC 50 56 -6 -10.7%
J9P Val-d’Or Val-d’Or QC 119 133 -14 -10.5%
C0A Charlottetown Rural Area PE 117 130 -13 -10.0%
J3E Sainte-Julie Sainte-Julie QC 36 40 -4 -10.0%
H2E Villeray Northeast Villeray QC 65 72 -7 -9.7%
H1Z Saint-Michel West Saint-Michel QC 94 104 -10 -9.6%
N0P Kent (Blenheim) Rural Area ON 133 147 -14 -9.5%
K1K Ottawa (Overbrook) Ottawa ON 139 153 -14 -9.2%
N5P St. Thomas North St. Thomas ON 82 90 -8 -8.9%
J1H Sherbrooke Central Sherbrooke QC 152 166 -14 -8.4%
E2K Saint John North Saint John NB 90 98 -8 -8.2%
P0H Nipissing North (Callander) Rural Area ON 78 85 -7 -8.2%
K2G Nepean (Davidson Heights) Nepean ON 102 111 -9 -8.1%
N6C London South (East Highland / North White Oaks / North Westminster) London ON 109 118 -9 -7.6%
T0K International Border Region (Cardston) Rural Area AB 135 146 -11 -7.5%
R2G Winnipeg (River East North) Winnipeg MB 81 87 -6 -6.9%


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 June 2023, https://open.canada.ca/ , debtsgo.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