Janes & Noseworthy

10/22/2026

“Can someone go bankrupt more than once?

The answer is yes — and it’s more common than you might think.

Even after taking care of your finances, unforeseen life events — illness, job loss, divorce — can put you back in debt. While a second bankruptcy is possible, it usually comes with tougher consequences, like a longer duration, higher payments, and a bigger impact on your credit score.

For many, a consumer proposal may be a better path forward, especially if there’s a stable income to support it. Either way, the key is speaking with an Licensed Insolvency Trustee (LIT) and knowing your options before making a decision.”

- Michalle, a valued member of the JNL team.

Team spotlight:
Michalle has seen that financial struggles don’t always end after one challenge — sometimes they resurface later in life. She believes in providing judgment-free advice so clients know they still have choices, even if this isn’t their first time facing insolvency.

Reaching out to a LIT is a strong step. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Michalle and the team today at JanesNoseworthy.ca.

It’s okay!

10/08/2026

“Why is there such a stigma around bankruptcy and consumer proposals?

Some people attach words like ‘failure’ or ‘irresponsible’ to insolvency — but the truth is, most financial struggles come from unforeseen life events like illness, divorce, job loss, or family emergencies.

Bankruptcy and consumer proposals are not punishments — they are tools designed to help people find relief and rebuild.”

- Claire, a valued member of the JNL team.

Team spotlight:
Claire has worked with countless individuals who first came to her feeling ashamed of their financial struggles.

Helping them reframe bankruptcy and consumer proposals not as failures, but as fresh starts, is one of the most rewarding parts of her role.

At Janes & Noseworthy, we believe there’s no shame in getting help with your debt. For over 40 years, we’ve been guiding Newfoundlanders and Labradorians through financial challenges with compassion and professionalism.

Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Claire and the team today at JanesNoseworthy.ca.

It’s okay!

09/24/2026

“What tools can Licensed Insolvency Trustees use to help you get out of debt?

It’s not always about bankruptcy. In fact, one of the first things we ask is whether your debts can be managed another way.

Licensed Insolvency Trustees (LITs) offer a variety of solutions to help people get back on track financially — everything from budgeting tools and debt consolidation to setting up a consumer proposal or, if it’s the right fit, guiding someone through bankruptcy.

Each option is designed to give you a clear path forward, whether your income is stable, unpredictable, or somewhere in between. The goal isn’t just to resolve your debt — it’s to help you regain confidence and long-term financial health.”

- Ian, a valued member of the JNL team.

Team spotlight:
Ian has worked with clients across Newfoundland and Labrador to find the right tool for their unique situation. He’s seen firsthand how empowering it can be when someone learns they have more than one option — and that bankruptcy isn’t the only path.

Reaching out to a LIT is the best way to understand your options. For over 40 years, we’ve been helping people across the province get out of debt — no call centres, no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Ian and the team today at JanesNoseworthy.ca.

It’s okay!

09/10/2026

“The consultation is always free!

First — it’s truly free. No costs, no hidden commitments, no strings attached.

Second — it’s a step in the right direction. Reaching out is often the hardest part, it shows you’re ready to take control, even if you’ve been stressed about debt for years.

Third — it gives you hope. Many people don’t realize they have multiple options: from repayment plans to restructuring, to a consumer proposal or bankruptcy. We’ll explain them all so you can choose what’s best for you.”

- David, a valued member of the JNL team.

Team spotlight:
David believes the most powerful moment for many clients is their first consultation — because it replaces fear with clarity. He takes pride in helping Newfoundlanders and Labradorians see that there are real, practical solutions to their financial stress.

Reaching out to a Licensed Insolvency Trustee (LIT) is a strong first step. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with David and the team today at JanesNoseworthy.ca.

It’s okay!

08/27/2026

“Debt can feel overwhelming — but it isn’t forever.

There are always options: from debt consolidation, restructuring, bankruptcy, or a consumer proposal. Licensed Insolvency Trustees (LITs) also stop harassment from creditors by filing a formal insolvency.

And if you don’t need a formal filing, we’ll still help by suggesting plans to pay down debt, cut expenses, or renegotiate with creditors. The key is remembering: you always have options.”

- Denyse, a valued member of the JNL team.

Team spotlight:
Denyse has helped thousands of Newfoundlanders and Labradorians find relief from overwhelming debt. For her, the most important part of the job is showing people that there’s always a way forward — even when the situation feels hopeless.

Reaching out to a LIT is a safe, practical first step. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Denyse and the team today at JanesNoseworthy.ca.

It’s okay!

08/13/2026

“How does insolvency affect your family?

You’ll keep your personal effects and household assets — and in virtually all cases, critical ones like your home and car. Insolvency isn’t designed to make you start from nothing; it’s meant to protect your family from the burden of long-term, unmanaged debt.

It’s one of the hardest questions people face.

Also, unless your spouse has co-signed on a debt, they’re not responsible for repaying it.

In fact, it’s not uncommon for one spouse to file a formal insolvency while the other does not.

- Becky, a valued member of the JNL team.

Team spotlight:
Becky has seen firsthand how worried families can be when they are facing unmanageable debt. Guiding people to understand that bankruptcy and consumer proposals are tools to protect families — not punish them — is one of the most rewarding parts of her role.

Reaching out to a Licensed Insolvency Trustee (LIT) is a strong step toward security. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Becky and the team today at JanesNoseworthy.ca.

It’s okay!

07/30/2026

“Will anyone know if I’ve filed for bankruptcy or a consumer proposal?

It’s one of the biggest fears people have — but the reality is, in most cases, no one will know besides your Licensed Insolvency Trustee (LIT) and your creditors. LITs are legally bound to keep your information confidential, and unless disclosure is required by law, your situation stays private.

While there is a public insolvency registry, it requires a paid search — meaning it’s very unlikely that friends or family will ever see it.”

- Michalle, a valued member of the JNL team.

Team spotlight:
Michalle often reassures clients that confidentiality is at the heart of what we do. Helping people move forward without fear of judgment or exposure is one of the most important aspects of her role.

Reaching out to a LIT is a safe, confidential first step. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Michalle and the team today at JanesNoseworthy.ca.

It’s okay!

07/16/2026

“Should you use your retirement savings to pay down debt?

It might seem like the easiest solution — but in most cases, it’s not the best idea. Registered retirement savings plans and pensions are protected in Canada if you file for bankruptcy or a consumer proposal. That means your retirement funds can’t be seized by creditors.

Withdrawing funds too early can also create a tax bill and leave you short for retirement. The only time it may make sense is if the debt is small, can be cleared in one payment, and won’t impact your long-term savings goals. Before making a decision, talk to a Licensed Insolvency Trustee (LIT) about your options.”

- Claire, a valued member of the JNL team.

Team spotlight:
Claire often meets people who feel tempted to dip into their retirement savings to cover debt — only to realize later that they’ve created more problems than they solved. Helping clients protect their future while tackling today’s financial challenges is one of the most rewarding parts of her work.

Reaching out to a LIT is the best way to weigh your options. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Claire and the team today at JanesNoseworthy.ca.

It’s okay!

07/11/2026

07/02/2026

“How do you rebuild credit after bankruptcy or a consumer proposal?

The good news: the impact is short-term. Bankruptcy typically falls off your credit report seven years after discharge, and consumer proposals will remain on your credit report for up to six years from filing.

Continuing to make payments on secured debts like your mortgage or car loan is an effective way to rebuild credit during the process. Plus, there are other steps you can take immediately after filing to start improving your score — and we’ll walk you through them.”

- Ian, a valued member of the JNL team.

Team spotlight:
Ian has guided countless people through insolvency and knows that life after bankruptcy or a consumer proposal is about rebuilding. He takes pride in helping debtors not just get out of debt, but also regain their confidence and take back control of their financial future.

Reaching out to a Licensed Insolvency Trustee (LIT) is a confidential and empowering first step. We’re real people who have been helping the people of our province get out of debt for over 40 years — no call centres, and no pressure. Whether virtually or in person, at one of our four local offices, your consultation is always free and confidential.

Chat LIVE with Ian and the team today at JanesNoseworthy.ca.

It’s okay!