If you have made a consumer proposal or filed for bankruptcy, you are required to complete the Insolvency Counselling Program, which is divided into two stages:
- Planning for the future by setting financial goals
Each stage has an online component followed by a counselling session, in person or by videoconference. The online component and the in-person or videoconference counselling sessions complement each other.
So you can access them whenever it is most convenient for you.