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If you’ve fallen on hard times, bankruptcy may be your only option. Here’s how it impacts your home equity.

What can you keep?
This varies from province to province. Anything above what you are allowed to keep must be used to pay creditors.

What are the options?
If you have a lot of home equity, use it. You can avoid bankruptcy by using a second mortgage to pay your debts.

What if equity is low?
You may have to surrender your home. Seek guidance from your mortgage company.

Bankruptcy may be unavoidable. But ask for help before filing to know your options.

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