Insolvency Statistics in Canada—Third Quarter of 2015

Table 5: Insolvencies Filed by Consumers by Economic Region (ER)
Province or Region Volume % Change 12-Month Period Ending
Q3 2015 Q2 2015 Q3 2014 Q2 2015 to Q3 2015 Q3 2014 to Q3 2015 09-30-2015 09-30-2014 % Change
Newfoundland and Labrador 459 506 378 -9.3 21.4 1,719 1,555 10.5
Bankruptcies 394 423 322 -6.9 22.4 1,447 1,374 5.3
Proposals 65 83 56 -21.7 16.1 272 181 50.3
Avalon Peninsula 221 239 189 -7.5 16.9 825 729 13.2
Bankruptcies 187 193 154 -3.1 21.4 686 628 9.2
Proposals 34 46 35 -26.1 -2.9 139 101 37.6
South Coast – Burin Peninsula 28 35 19 -20.0 47.4 103 108 -4.6
Bankruptcies 27 34 19 -20.6 42.1 93 95 -2.1
Proposals 1 1 0 0.0 -- 10 13 -23.1
West Coast – Northern Peninsula – Labrador 90 84 70 7.1 28.6 332 301 10.3
Bankruptcies 70 65 64 7.7 9.4 261 271 -3.7
Proposals 20 19 6 5.3 233.3 71 30 136.7
Notre Dame – Central Bonavista Bay 120 148 100 -18.9 20.0 459 416 10.3
Bankruptcies 110 131 85 -16.0 29.4 407 380 7.1
Proposals 10 17 15 -41.2 -33.3 52 36 44.4
Prince Edward Island 195 216 212 -9.7 -8.0 753 722 4.3
Bankruptcies 124 134 154 -7.5 -19.5 479 509 -5.9
Proposals 71 82 58 -13.4 22.4 274 213 28.6
Nova Scotia 1,291 1,386 1,376 -6.9 -6.2 5,169 5,060 2.2
Bankruptcies 896 1,012 986 -11.5 -9.1 3,653 3,603 1.4
Proposals 395 374 390 5.6 1.3 1,516 1,457 4.0
Cape Breton 206 228 196 -9.6 5.1 823 752 9.4
Bankruptcies 112 121 119 -7.4 -5.9 461 445 3.6
Proposals 94 107 77 -12.1 22.1 362 307 17.9
North Shore 248 233 311 6.4 -20.3 933 1,038 -10.1
Bankruptcies 171 172 217 -0.6 -21.2 665 714 -6.9
Proposals 77 61 94 26.2 -18.1 268 324 -17.3
Annapolis Valley 179 196 180 -8.7 -0.6 746 693 7.6
Bankruptcies 137 169 162 -18.9 -15.4 588 551 6.7
Proposals 42 27 18 55.6 133.3 158 142 11.3
Southern 141 179 154 -21.2 -8.4 608 555 9.5
Bankruptcies 116 136 109 -14.7 6.4 454 429 5.8
Proposals 25 43 45 -41.9 -44.4 154 126 22.2
Halifax 517 551 536 -6.2 -3.5 2,058 2,023 1.7
Bankruptcies 361 414 379 -12.8 -4.7 1,485 1,465 1.4
Proposals 156 137 157 13.9 -0.6 573 558 2.7
New Brunswick 1,176 1,209 1,135 -2.7 3.6 4,399 4,215 4.4
Bankruptcies 770 773 793 -0.4 -2.9 2,928 2,945 -0.6
Proposals 406 436 342 -6.9 18.7 1,471 1,270 15.8
Campbellton – Miramichi 237 254 170 -6.7 39.4 878 717 22.5
Bankruptcies 176 171 120 2.9 46.7 637 518 23.0
Proposals 61 83 50 -26.5 22.0 241 199 21.1
Moncton – Richibucto 352 334 379 5.4 -7.1 1,317 1,340 -1.7
Bankruptcies 230 225 266 2.2 -13.5 877 905 -3.1
Proposals 122 109 113 11.9 8.0 440 435 1.1
Saint John – St. Stephen 275 319 270 -13.8 1.9 1,050 1,001 4.9
Bankruptcies 162 197 192 -17.8 -15.6 655 675 -3.0
Proposals 113 122 78 -7.4 44.9 395 326 21.2
Fredericton – Oromocto 201 209 201 -3.8 0.0 742 729 1.8
Bankruptcies 121 121 125 0.0 -3.2 466 526 -11.4
Proposals 80 88 76 -9.1 5.3 276 203 36.0
Edmundston – Woodstock 111 91 115 22.0 -3.5 412 427 -3.5
Bankruptcies 81 58 90 39.7 -10.0 293 321 -8.7
Proposals 30 33 25 -9.1 20.0 119 106 12.3
Quebec 10,630 11,336 10,134 -6.2 4.9 43,650 40,865 6.8
Bankruptcies 6,078 6,574 5,932 -7.5 2.5 24,663 24,354 1.3
Proposals 4,552 4,762 4,202 -4.4 8.3 18,987 16,511 15.0
Gaspésie – Îles-de-la-Madeleine 127 128 96 -0.8 32.3 506 408 24.0
Bankruptcies 85 77 62 10.4 37.1 277 231 19.9
Proposals 42 51 34 -17.6 23.5 229 177 29.4
Bas-Saint-Laurent 218 224 209 -2.7 4.3 900 826 9.0
Bankruptcies 151 129 129 17.1 17.1 543 518 4.8
Proposals 67 95 80 -29.5 -16.3 357 308 15.9
Capitale-Nationale 786 803 631 -2.1 24.6 3,072 2,677 14.8
Bankruptcies 479 486 396 -1.4 21.0 1,889 1,742 8.4
Proposals 307 317 235 -3.2 30.6 1,183 935 26.5
Chaudière – Appalaches 377 402 391 -6.2 -3.6 1,560 1,547 0.8
Bankruptcies 234 237 247 -1.3 -5.3 934 1,009 -7.4
Proposals 143 165 144 -13.3 -0.7 626 538 16.4
Estrie 351 375 327 -6.4 7.3 1,533 1,356 13.1
Bankruptcies 243 249 226 -2.4 7.5 982 928 5.8
Proposals 108 126 101 -14.3 6.9 551 428 28.7
Centre-du-Québec 258 319 276 -19.1 -6.5 1,172 1,133 3.4
Bankruptcies 136 188 150 -27.7 -9.3 633 675 -6.2
Proposals 122 131 126 -6.9 -3.2 539 458 17.7
Montérégie 2,152 2,263 2,061 -4.9 4.4 8,523 8,123 4.9
Bankruptcies 1,129 1,213 1,117 -6.9 1.1 4,525 4,543 -0.4
Proposals 1,023 1,050 944 -2.6 8.4 3,998 3,580 11.7
Montréal 2,164 2,413 2,222 -10.3 -2.6 9,111 9,061 0.6
Bankruptcies 1,268 1,485 1,374 -14.6 -7.7 5,376 5,723 -6.1
Proposals 896 928 848 -3.4 5.7 3,735 3,338 11.9
Laval 514 587 535 -12.4 -3.9 2,269 2,197 3.3
Bankruptcies 262 336 294 -22.0 -10.9 1,177 1,269 -7.2
Proposals 252 251 241 0.4 4.6 1,092 928 17.7
Lanaudière 905 940 844 -3.7 7.2 3,618 3,464 4.4
Bankruptcies 438 450 438 -2.7 0.0 1,790 1,730 3.5
Proposals 467 490 406 -4.7 15.0 1,828 1,734 5.4
Laurentides 1,112 1,177 1,021 -5.5 8.9 4,566 4,134 10.4
Bankruptcies 631 671 569 -6.0 10.9 2,470 2,231 10.7
Proposals 481 506 452 -4.9 6.4 2,096 1,903 10.1
Outaouais 665 703 653 -5.4 1.8 2,787 2,436 14.4
Bankruptcies 401 421 377 -4.8 6.4 1,536 1,438 6.8
Proposals 264 282 276 -6.4 -4.3 1,251 998 25.4
Abitibi – Témiscamingue 179 211 152 -15.2 17.8 790 652 21.2
Bankruptcies 109 118 86 -7.6 26.7 463 392 18.1
Proposals 70 93 66 -24.7 6.1 327 260 25.8
Mauricie 375 354 328 5.9 14.3 1,474 1,319 11.8
Bankruptcies 249 243 214 2.5 16.4 979 904 8.3
Proposals 126 111 114 13.5 10.5 495 415 19.3
Saguenay – Lac-Saint-Jean 329 343 302 -4.1 8.9 1,357 1,166 16.4
Bankruptcies 198 210 190 -5.7 4.2 833 788 5.7
Proposals 131 133 112 -1.5 17.0 524 378 38.6
Côte-Nord 103 82 71 25.6 45.1 351 305 15.1
Bankruptcies 55 57 55 -3.5 0.0 221 201 10.0
Proposals 48 25 16 92.0 200.0 130 104 25.0
Nord-du-Québec 13 15 16 -13.3 -18.8 62 62 0.0
Bankruptcies 9 6 9 50.0 0.0 36 32 12.5
Proposals 4 9 7 -55.6 -42.9 26 30 -13.3
Ontario 9,577 10,568 10,051 -9.4 -4.7 39,991 41,785 -4.3
Bankruptcies 4,283 4,889 4,693 -12.4 -8.7 18,261 19,832 -7.9
Proposals 5,294 5,679 5,358 -6.8 -1.2 21,730 21,953 -1.0
Ottawa 947 960 960 -1.4 -1.4 3,814 3,794 0.5
Bankruptcies 528 556 565 -5.0 -6.5 2,191 2,213 -1.0
Proposals 419 404 395 3.7 6.1 1,623 1,581 2.7
Kingston – Pembroke 375 471 394 -20.4 -4.8 1,667 1,613 3.3
Bankruptcies 195 262 208 -25.6 -6.3 859 895 -4.0
Proposals 180 209 186 -13.9 -3.2 808 718 12.5
Muskoka – Kawarthas 287 356 296 -19.4 -3.0 1,235 1,344 -8.1
Bankruptcies 144 159 152 -9.4 -5.3 578 691 -16.4
Proposals 143 197 144 -27.4 -0.7 657 653 0.6
Toronto 3,891 4,205 4,134 -7.5 -5.9 16,109 17,457 -7.7
Bankruptcies 1,523 1,667 1,623 -8.6 -6.2 6,328 6,907 -8.4
Proposals 2,368 2,538 2,511 -6.7 -5.7 9,781 10,550 -7.3
Kitchener – Waterloo – Barrie 937 1,071 1,037 -12.5 -9.6 4,037 4,183 -3.5
Bankruptcies 414 509 504 -18.7 -17.9 1,868 2,067 -9.6
Proposals 523 562 533 -6.9 -1.9 2,169 2,116 2.5
Hamilton – Niagara Peninsula 988 1,160 1,113 -14.8 -11.2 4,439 4,820 -7.9
Bankruptcies 421 523 534 -19.5 -21.2 1,974 2,248 -12.2
Proposals 567 637 579 -11.0 -2.1 2,465 2,572 -4.2
London 654 692 657 -5.5 -0.5 2,668 2,698 -1.1
Bankruptcies 298 314 322 -5.1 -7.5 1,248 1,456 -14.3
Proposals 356 378 335 -5.8 6.3 1,420 1,242 14.3
Windsor – Sarnia 569 584 551 -2.6 3.3 2,227 2,269 -1.9
Bankruptcies 271 293 276 -7.5 -1.8 1,104 1,267 -12.9
Proposals 298 291 275 2.4 8.4 1,123 1,002 12.1
Stratford – Bruce Peninsula 175 192 189 -8.9 -7.4 715 792 -9.7
Bankruptcies 94 106 114 -11.3 -17.5 396 462 -14.3
Proposals 81 86 75 -5.8 8.0 319 330 -3.3
Northeast 618 708 615 -12.7 0.5 2,524 2,317 8.9
Bankruptcies 314 389 330 -19.3 -4.8 1,356 1,307 3.7
Proposals 304 319 285 -4.7 6.7 1,168 1,010 15.6
Northwest 135 171 106 -21.1 27.4 556 497 11.9
Bankruptcies 81 113 66 -28.3 22.7 359 318 12.9
Proposals 54 58 40 -6.9 35.0 197 179 10.1
Manitoba 526 526 499 0.0 5.4 2,045 1,876 9.0
Bankruptcies 310 361 329 -14.1 -5.8 1,286 1,202 7.0
Proposals 216 165 170 30.9 27.1 759 674 12.6
Southeast 33 48 27 -31.3 22.2 167 134 24.6
Bankruptcies 22 40 15 -45.0 46.7 123 89 38.2
Proposals 11 8 12 37.5 -8.3 44 45 -2.2
South Central 14 14 10 0.0 40.0 59 68 -13.2
Bankruptcies 8 14 8 -42.9 0.0 45 55 -18.2
Proposals 6 0 2 -- 200.0 14 13 7.7
Southwest 78 63 51 23.8 52.9 282 242 16.5
Bankruptcies 34 38 25 -10.5 36.0 142 118 20.3
Proposals 44 25 26 76.0 69.2 140 124 12.9
North Central 12 14 20 -14.3 -40.0 68 72 -5.6
Bankruptcies 10 7 15 42.9 -33.3 45 43 4.7
Proposals 2 7 5 -71.4 -60.0 23 29 -20.7
Winnipeg 327 324 321 0.9 1.9 1,231 1,132 8.7
Bankruptcies 202 220 220 -8.2 -8.2 785 751 4.5
Proposals 125 104 101 20.2 23.8 446 381 17.1
Interlake 21 25 28 -16.0 -25.0 88 120 -26.7
Bankruptcies 17 18 25 -5.6 -32.0 61 84 -27.4
Proposals 4 7 3 -42.9 33.3 27 36 -25.0
Parklands 25 27 22 -7.4 13.6 87 42 107.1
Bankruptcies 9 16 12 -43.8 -25.0 43 20 115.0
Proposals 16 11 10 45.5 60.0 44 22 100.0
North 16 11 19 45.5 -15.8 62 68 -8.8
Bankruptcies 9 7 9 28.6 0.0 41 42 -2.4
Proposals 7 4 10 75.0 -30.0 21 26 -19.2
Saskatchewan 557 552 503 0.9 10.7 2,076 1,891 9.8
Bankruptcies 276 298 276 -7.4 0.0 1,079 1,102 -2.1
Proposals 281 254 227 10.6 23.8 997 789 26.4
Regina – Moose Mountain 179 163 166 9.8 7.8 650 557 16.7
Bankruptcies 67 81 89 -17.3 -24.7 300 287 4.5
Proposals 112 82 77 36.6 45.5 350 270 29.6
Swift Current – Moose Jaw 51 44 65 15.9 -21.5 176 195 -9.7
Bankruptcies 36 22 32 63.6 12.5 109 116 -6.0
Proposals 15 22 33 -31.8 -54.5 67 79 -15.2
Saskatoon – Biggar 176 164 145 7.3 21.4 642 608 5.6
Bankruptcies 86 77 80 11.7 7.5 319 354 -9.9
Proposals 90 87 65 3.4 38.5 323 254 27.2
Yorkton – Melville 34 46 28 -26.1 21.4 145 128 13.3
Bankruptcies 18 30 13 -40.0 38.5 82 73 12.3
Proposals 16 16 15 0.0 6.7 63 55 14.5
Prince Albert 114 127 89 -10.2 28.1 432 367 17.7
Bankruptcies 68 85 57 -20.0 19.3 256 251 2.0
Proposals 46 42 32 9.5 43.8 176 116 51.7
Northern 3 8 9 -62.5 -66.7 30 35 -14.3
Bankruptcies 1 3 5 -66.7 -80.0 13 20 -35.0
Proposals 2 5 4 -60.0 -50.0 17 15 13.3
Alberta 2,477 2,466 1,969 0.4 25.8 9,175 8,134 12.8
Bankruptcies 1,067 1,099 898 -2.9 18.8 4,056 3,956 2.5
Proposals 1,410 1,367 1,071 3.1 31.7 5,119 4,178 22.5
Lethbridge – Medicine Hat 252 242 207 4.1 21.7 915 845 8.3
Bankruptcies 117 92 95 27.2 23.2 375 413 -9.2
Proposals 135 150 112 -10.0 20.5 540 432 25.0
Camrose – Drumheller 121 100 80 21.0 51.3 386 333 15.9
Bankruptcies 64 66 43 -3.0 48.8 210 184 14.1
Proposals 57 34 37 67.6 54.1 176 149 18.1
Calgary 881 944 745 -6.7 18.3 3,456 3,032 14.0
Bankruptcies 346 380 328 -8.9 5.5 1,406 1,382 1.7
Proposals 535 564 417 -5.1 28.3 2,050 1,650 24.2
Banff – Jasper – Rocky Mountain House 47 57 42 -17.5 11.9 187 163 14.7
Bankruptcies 19 22 16 -13.6 18.8 80 84 -4.8
Proposals 28 35 26 -20.0 7.7 107 79 35.4
Red Deer 174 206 133 -15.5 30.8 684 544 25.7
Bankruptcies 68 71 60 -4.2 13.3 256 265 -3.4
Proposals 106 135 73 -21.5 45.2 428 279 53.4
Edmonton 776 720 634 7.8 22.4 2,794 2,644 5.7
Bankruptcies 341 340 300 0.3 13.7 1,307 1,314 -0.5
Proposals 435 380 334 14.5 30.2 1,487 1,330 11.8
Athabasca – Grande Prairie – Peace River 154 134 90 14.9 71.1 516 427 20.8
Bankruptcies 86 93 43 -7.5 100.0 311 254 22.4
Proposals 68 41 47 65.9 44.7 205 173 18.5
Wood Buffalo – Cold Lake 73 64 38 14.1 92.1 238 146 63.0
Bankruptcies 26 35 14 -25.7 85.7 110 60 83.3
Proposals 47 29 24 62.1 95.8 128 86 48.8
British Columbia 2,909 2,996 2,811 -2.9 3.5 11,567 11,504 0.5
Bankruptcies 1,375 1,507 1,502 -8.8 -8.5 5,824 6,663 -12.6
Proposals 1,534 1,489 1,309 3.0 17.2 5,743 4,841 18.6
Vancouver Island and Coast 583 689 631 -15.4 -7.6 2,494 2,538 -1.7
Bankruptcies 336 392 366 -14.3 -8.2 1,431 1,582 -9.5
Proposals 247 297 265 -16.8 -6.8 1,063 956 11.2
Lower Mainland – Southwest 1,648 1,638 1,572 0.6 4.8 6,459 6,354 1.7
Bankruptcies 699 762 782 -8.3 -10.6 3,022 3,490 -13.4
Proposals 949 876 790 8.3 20.1 3,437 2,864 20.0
Thompson – Okanagan 396 384 380 3.1 4.2 1,528 1,556 -1.8
Bankruptcies 203 205 219 -1.0 -7.3 793 911 -13.0
Proposals 193 179 161 7.8 19.9 735 645 14.0
Kootenay 91 98 84 -7.1 8.3 361 369 -2.2
Bankruptcies 48 56 55 -14.3 -12.7 214 245 -12.7
Proposals 43 42 29 2.4 48.3 147 124 18.5
Cariboo 133 125 100 6.4 33.0 509 480 6.0
Bankruptcies 62 66 55 -6.1 12.7 268 307 -12.7
Proposals 71 59 45 20.3 57.8 241 173 39.3
North Coast 16 14 7 14.3 128.6 57 60 -5.0
Bankruptcies 11 6 4 83.3 175.0 31 44 -29.5
Proposals 5 8 3 -37.5 66.7 26 16 62.5
Nechako 10 16 18 -37.5 -44.4 53 69 -23.2
Bankruptcies 6 9 14 -33.3 -57.1 34 43 -20.9
Proposals 4 7 4 -42.9 0.0 19 26 -26.9
Northeast 30 30 18 0.0 66.7 107 76 40.8
Bankruptcies 10 11 7 -9.1 42.9 32 40 -20.0
Proposals 20 19 11 5.3 81.8 75 36 108.3
Northwest Territories 11 10 8 10.0 37.5 45 51 -11.8
Bankruptcies 5 6 3 -16.7 66.7 25 27 -7.4
Proposals 6 4 5 50.0 20.0 20 24 -16.7
Yukon 13 6 11 116.7 18.2 38 42 -9.5
Bankruptcies 8 1 7 700.0 14.3 18 28 -35.7
Proposals 5 5 4 0.0 25.0 20 14 42.9
Nunavut 0 1 1 -100.0 -100.0 4 6 -33.3
Bankruptcies 0 1 0 -100.0 -- 3 3 0.0
Proposals 0 0 1 -- -100.0 1 3 -66.7
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