Hardie & Kelly RebuildRebuild

I lost my job and I lost my home. That's tough when you're a single mom.



Tina was a single mom who had lost her job and had been unable to make her mortgage payments.  Her home was foreclosed on and Tina and her two children were forced to move to rental accommodation.

Unfortunately, after the house was sold by the bank, there was a deficiency between the mortgage outstanding and what the house sold for.  Tina found herself in a situation where she owed Canada Mortgage and Housing $123,000 and had no ability to repay it.

For Tina, with her family situation, limited income and large unsecured debt, she decided to file bankruptcy.  She completed the bankruptcy in 9 months and was able start over again.