Insolvency Statistics in Canada—Third Quarter of 2018

Table 5: Insolvencies Filed by Consumers by Economic Region

Volume

% Change

12-Month Period Ending

Q3 2018

Q2 2018

Q3 2017

Q2 2018
to
Q3 2018

Q3 2017
to
Q3 2018

09-30-2018

09-30-2017

% Change

Newfoundland and Labrador

672 742 592 -9.4 13.5 2,753 2,398 14.8

Bankruptcies

353 376 308 -6.1 14.6 1,391 1,369 1.6

Proposals

319 366 284 -12.8 12.3 1,362 1,029 32.4

Avalon Peninsula

387 433 340 -10.6 13.8 1,613 1,346 19.8

Bankruptcies

196 209 190 -6.2 3.2 763 771 -1.0

Proposals

191 224 150 -14.7 27.3 850 575 47.8

South Coast - Burin Peninsula

45 53 30 -15.1 50.0 180 151 19.2

Bankruptcies

31 28 15 10.7 106.7 102 101 1.0

Proposals

14 25 15 -44.0 -6.7 78 50 56.0

West Coast - Northern Peninsula - Labrador

109 86 90 26.7 21.1 362 346 4.6

Bankruptcies

47 47 38 0.0 23.7 202 176 14.8

Proposals

62 39 52 59.0 19.2 160 170 -5.9

Notre Dame - Central Bonavista Bay

131 169 132 -22.5 -0.8 596 555 7.4

Bankruptcies

80 92 65 -13.0 23.1 324 321 0.9

Proposals

51 77 67 -33.8 -23.9 272 234 16.2

Prince Edward Island

163 188 167 -13.3 -2.4 711 699 1.7

Bankruptcies

92 119 98 -22.7 -6.1 413 422 -2.1

Proposals

71 69 69 2.9 2.9 298 277 7.6

Nova Scotia

1,363 1,548 1,479 -12.0 -7.8 5,532 5,849 -5.4

Bankruptcies

877 974 980 -10.0 -10.5 3,483 3,984 -12.6

Proposals

486 574 499 -15.3 -2.6 2,049 1,865 9.9

Cape Breton

235 283 264 -17.0 -11.0 1,024 1,026 -0.2

Bankruptcies

138 150 149 -8.0 -7.4 544 580 -6.2

Proposals

97 133 115 -27.1 -15.7 480 446 7.6

North Shore

225 279 270 -19.4 -16.7 952 1,115 -14.6

Bankruptcies

142 185 177 -23.2 -19.8 628 777 -19.2

Proposals

83 94 93 -11.7 -10.8 324 338 -4.1

Annapolis Valley

189 196 190 -3.6 -0.5 740 754 -1.9

Bankruptcies

141 146 150 -3.4 -6.0 550 607 -9.4

Proposals

48 50 40 -4.0 20.0 190 147 29.3

Southern

195 225 207 -13.3 -5.8 815 763 6.8

Bankruptcies

126 157 137 -19.7 -8.0 523 520 0.6

Proposals

69 68 70 1.5 -1.4 292 243 20.2

Halifax

518 565 547 -8.3 -5.3 2,001 2,189 -8.6

Bankruptcies

329 336 367 -2.1 -10.4 1,237 1,500 -17.5

Proposals

189 229 180 -17.5 5.0 764 689 10.9

New Brunswick

1,191 1,171 1,120 1.7 6.3 4,388 4,429 -0.9

Bankruptcies

611 606 626 0.8 -2.4 2,241 2,616 -14.3

Proposals

580 565 494 2.7 17.4 2,147 1,813 18.4

Campbellton - Miramichi

255 234 197 9.0 29.4 924 869 6.3

Bankruptcies

138 115 126 20.0 9.5 505 537 -6.0

Proposals

117 119 71 -1.7 64.8 419 332 26.2

Moncton - Richibucto

348 330 314 5.5 10.8 1,247 1,350 -7.6

Bankruptcies

161 175 162 -8.0 -0.6 613 768 -20.2

Proposals

187 155 152 20.6 23.0 634 582 8.9

Saint John - St.Stephen

252 285 305 -11.6 -17.4 968 1,071 -9.6

Bankruptcies

121 138 165 -12.3 -26.7 452 598 -24.4

Proposals

131 147 140 -10.9 -6.4 516 473 9.1

Fredericton - Oromocto

209 212 188 -1.4 11.2 783 732 7.0

Bankruptcies

123 115 107 7.0 15.0 429 460 -6.7

Proposals

86 97 81 -11.3 6.2 354 272 30.1

Edmundston - Woodstock

126 111 118 13.5 6.8 465 409 13.7

Bankruptcies

68 63 67 7.9 1.5 242 255 -5.1

Proposals

58 48 51 20.8 13.7 223 154 44.8

Quebec

9,998 10,596 9,871 -5.6 1.3 41,667 41,625 0.1

Bankruptcies

5,163 5,557 5,495 -7.1 -6.0 21,435 23,045 -7.0

Proposals

4,835 5,039 4,376 -4.0 10.5 20,232 18,580 8.9

Gaspésie - Îles-de-la-Madeleine

121 96 100 26.0 21.0 445 488 -8.8

Bankruptcies

57 40 55 42.5 3.6 202 259 -22.0

Proposals

64 56 45 14.3 42.2 243 229 6.1

Bas-Saint-Laurent

204 216 229 -5.6 -10.9 876 904 -3.1

Bankruptcies

116 121 120 -4.1 -3.3 480 509 -5.7

Proposals

88 95 109 -7.4 -19.3 396 395 0.3

Capitale-Nationale

825 839 841 -1.7 -1.9 3,469 3,335 4.0

Bankruptcies

490 469 484 4.5 1.2 1,911 1,975 -3.2

Proposals

335 370 357 -9.5 -6.2 1,558 1,360 14.6

Chaudière - Appalaches

437 418 411 4.5 6.3 1,709 1,705 0.2

Bankruptcies

264 226 263 16.8 0.4 982 1,063 -7.6

Proposals

173 192 148 -9.9 16.9 727 642 13.2

Estrie

395 404 365 -2.2 8.2 1,605 1,544 4.0

Bankruptcies

249 257 241 -3.1 3.3 1,016 1,009 0.7

Proposals

146 147 124 -0.7 17.7 589 535 10.1

Centre-du-Québec

259 293 262 -11.6 -1.1 1,142 1,190 -4.0

Bankruptcies

130 157 160 -17.2 -18.8 584 689 -15.2

Proposals

129 136 102 -5.1 26.5 558 501 11.4

Montérégie

1,960 2,037 1,804 -3.8 8.6 7,887 7,738 1.9

Bankruptcies

932 1,025 968 -9.1 -3.7 3,855 4,099 -6.0

Proposals

1,028 1,012 836 1.6 23.0 4,032 3,639 10.8

Montréal

1,951 2,132 1,996 -8.5 -2.3 8,356 8,376 -0.2

Bankruptcies

1,051 1,212 1,150 -13.3 -8.6 4,529 4,781 -5.3

Proposals

900 920 846 -2.2 6.4 3,827 3,595 6.5

Laval

466 544 496 -14.3 -6.0 2,102 2,211 -4.9

Bankruptcies

231 241 230 -4.1 0.4 928 1,023 -9.3

Proposals

235 303 266 -22.4 -11.7 1,174 1,188 -1.2

Lanaudière

803 825 787 -2.7 2.0 3,308 3,257 1.6

Bankruptcies

343 349 402 -1.7 -14.7 1,417 1,663 -14.8

Proposals

460 476 385 -3.4 19.5 1,891 1,594 18.6

Laurentides

978 1,107 1,063 -11.7 -8.0 4,147 4,203 -1.3

Bankruptcies

451 522 531 -13.6 -15.1 1,968 2,110 -6.7

Proposals

527 585 532 -9.9 -0.9 2,179 2,093 4.1

Outaouais

690 632 610 9.2 13.1 2,614 2,635 -0.8

Bankruptcies

309 271 334 14.0 -7.5 1,177 1,413 -16.7

Proposals

381 361 276 5.5 38.0 1,437 1,222 17.6

Abitibi - Témiscamingue

149 161 145 -7.5 2.8 692 708 -2.3

Bankruptcies

70 87 77 -19.5 -9.1 323 363 -11.0

Proposals

79 74 68 6.8 16.2 369 345 7.0

Mauricie

343 383 322 -10.4 6.5 1,480 1,442 2.6

Bankruptcies

213 259 219 -17.8 -2.7 943 974 -3.2

Proposals

130 124 103 4.8 26.2 537 468 14.7

Saguenay - Lac-Saint-Jean

312 369 328 -15.4 -4.9 1,358 1,400 -3.0

Bankruptcies

193 239 191 -19.2 1.0 830 837 -0.8

Proposals

119 130 137 -8.5 -13.1 528 563 -6.2

Côte-Nord

98 126 99 -22.2 -1.0 421 435 -3.2

Bankruptcies

60 74 62 -18.9 -3.2 257 257 0.0

Proposals

38 52 37 -26.9 2.7 164 178 -7.9

Nord-du-Québec

8 13 12 -38.5 -33.3 54 52 3.8

Bankruptcies

5 8 8 -37.5 -37.5 33 24 37.5

Proposals

3 5 4 -40.0 -25.0 21 28 -25.0

Ontario

9,407 10,201 9,182 -7.8 2.5 38,131 38,351 -0.6

Bankruptcies

3,590 4,025 3,626 -10.8 -1.0 14,794 15,638 -5.4

Proposals

5,817 6,176 5,556 -5.8 4.7 23,337 22,713 2.7

Ottawa

1,001 1,128 959 -11.3 4.4 4,151 3,944 5.2

Bankruptcies

472 519 460 -9.1 2.6 2,004 1,943 3.1

Proposals

529 609 499 -13.1 6.0 2,147 2,001 7.3

Kingston - Pembroke

397 414 402 -4.1 -1.2 1,577 1,671 -5.6

Bankruptcies

173 186 167 -7.0 3.6 685 732 -6.4

Proposals

224 228 235 -1.8 -4.7 892 939 -5.0

Muskoka - Kawarthas

266 319 299 -16.6 -11.0 1,133 1,129 0.4

Bankruptcies

82 129 112 -36.4 -26.8 407 458 -11.1

Proposals

184 190 187 -3.2 -1.6 726 671 8.2

Toronto

3,860 4,035 3,819 -4.3 1.1 15,335 15,648 -2.0

Bankruptcies

1,239 1,357 1,307 -8.7 -5.2 5,045 5,472 -7.8

Proposals

2,621 2,678 2,512 -2.1 4.3 10,290 10,176 1.1

Kitchener - Waterloo - Barrie

931 1,067 885 -12.7 5.2 3,969 3,700 7.3

Bankruptcies

359 418 357 -14.1 0.6 1,490 1,516 -1.7

Proposals

572 649 528 -11.9 8.3 2,479 2,184 13.5

Hamilton - Niagara Peninsula

936 1,040 914 -10.0 2.4 3,909 3,871 1.0

Bankruptcies

367 405 358 -9.4 2.5 1,515 1,571 -3.6

Proposals

569 635 556 -10.4 2.3 2,394 2,300 4.1

London

573 602 565 -4.8 1.4 2,219 2,402 -7.6

Bankruptcies

208 239 235 -13.0 -11.5 864 1,046 -17.4

Proposals

365 363 330 0.6 10.6 1,355 1,356 -0.1

Windsor - Sarnia

508 542 470 -6.3 8.1 1,992 2,040 -2.4

Bankruptcies

234 271 199 -13.7 17.6 916 955 -4.1

Proposals

274 271 271 1.1 1.1 1,076 1,085 -0.8

Stratford - Bruce Peninsula

136 188 110 -27.7 23.6 655 600 9.2

Bankruptcies

78 79 56 -1.3 39.3 318 307 3.6

Proposals

58 109 54 -46.8 7.4 337 293 15.0

Northeast

657 736 639 -10.7 2.8 2,648 2,834 -6.6

Bankruptcies

292 341 311 -14.4 -6.1 1,228 1,348 -8.9

Proposals

365 395 328 -7.6 11.3 1,420 1,486 -4.4

Northwest

142 129 122 10.1 16.4 543 513 5.8

Bankruptcies

87 79 65 10.1 33.8 320 289 10.7

Proposals

55 50 57 10.0 -3.5 223 224 -0.4

Manitoba

676 787 637 -14.1 6.1 2,738 2,561 6.9

Bankruptcies

325 401 341 -19.0 -4.7 1,382 1,344 2.8

Proposals

351 386 296 -9.1 18.6 1,356 1,217 11.4

Southeast

55 70 48 -21.4 14.6 220 213 3.3

Bankruptcies

27 32 29 -15.6 -6.9 124 131 -5.3

Proposals

28 38 19 -26.3 47.4 96 82 17.1

South Central

12 36 27 -66.7 -55.6 95 94 1.1

Bankruptcies

8 19 15 -57.9 -46.7 51 59 -13.6

Proposals

4 17 12 -76.5 -66.7 44 35 25.7

Southwest

78 71 72 9.9 8.3 288 297 -3.0

Bankruptcies

37 41 27 -9.8 37.0 142 136 4.4

Proposals

41 30 45 36.7 -8.9 146 161 -9.3

North Central

28 16 14 75.0 100.0 80 65 23.1

Bankruptcies

7 11 8 -36.4 -12.5 39 35 11.4

Proposals

21 5 6 320.0 250.0 41 30 36.7

Winnipeg

431 527 402 -18.2 7.2 1,777 1,623 9.5

Bankruptcies

203 266 222 -23.7 -8.6 869 831 4.6

Proposals

228 261 180 -12.6 26.7 908 792 14.6

Interlake

40 42 34 -4.8 17.6 148 131 13.0

Bankruptcies

24 22 18 9.1 33.3 91 74 23.0

Proposals

16 20 16 -20.0 0.0 57 57 0.0

Parklands

18 14 22 28.6 -18.2 67 68 -1.5

Bankruptcies

12 6 16 100.0 -25.0 34 40 -15.0

Proposals

6 8 6 -25.0 0.0 33 28 17.9

North

13 11 15 18.2 -13.3 59 64 -7.8

Bankruptcies

6 4 5 50.0 20.0 30 36 -16.7

Proposals

7 7 10 0.0 -30.0 29 28 3.6

Saskatchewan

906 848 801 6.8 13.1 3,301 3,099 6.5

Bankruptcies

354 310 314 14.2 12.7 1,299 1,375 -5.5

Proposals

552 538 487 2.6 13.3 2,002 1,724 16.1

Regina - Moose Mountain

329 298 246 10.4 33.7 1,166 1,026 13.6

Bankruptcies

93 78 72 19.2 29.2 343 344 -0.3

Proposals

236 220 174 7.3 35.6 823 682 20.7

Swift Current - Moose Jaw

70 66 55 6.1 27.3 245 225 8.9

Bankruptcies

37 29 26 27.6 42.3 122 119 2.5

Proposals

33 37 29 -10.8 13.8 123 106 16.0

Saskatoon - Biggar

258 262 260 -1.5 -0.8 1,040 1,007 3.3

Bankruptcies

114 97 112 17.5 1.8 450 494 -8.9

Proposals

144 165 148 -12.7 -2.7 590 513 15.0

Yorkton - Melville

46 45 53 2.2 -13.2 177 189 -6.3

Bankruptcies

21 8 30 162.5 -30.0 79 99 -20.2

Proposals

25 37 23 -32.4 8.7 98 90 8.9

Prince Albert

191 166 173 15.1 10.4 630 621 1.4

Bankruptcies

80 93 69 -14.0 15.9 283 309 -8.4

Proposals

111 73 104 52.1 6.7 347 312 11.2

Northern

11 10 12 10.0 -8.3 39 28 39.3

Bankruptcies

8 4 4 100.0 100.0 20 9 122.2

Proposals

3 6 8 -50.0 -62.5 19 19 0.0

Alberta

3,514 3,833 3,283 -8.3 7.0 14,045 13,208 6.3

Bankruptcies

1,198 1,302 1,182 -8.0 1.4 4,899 5,111 -4.1

Proposals

2,316 2,531 2,101 -8.5 10.2 9,146 8,097 13.0

Lethbridge - Medicine Hat

252 304 225 -17.1 12.0 1,043 984 6.0

Bankruptcies

90 102 89 -11.8 1.1 377 409 -7.8

Proposals

162 202 136 -19.8 19.1 666 575 15.8

Camrose - Drumheller

129 138 129 -6.5 0.0 526 573 -8.2

Bankruptcies

54 50 57 8.0 -5.3 220 282 -22.0

Proposals

75 88 72 -14.8 4.2 306 291 5.2

Calgary

1,373 1,471 1,248 -6.7 10.0 5,280 4,955 6.6

Bankruptcies

460 532 430 -13.5 7.0 1,832 1,696 8.0

Proposals

913 939 818 -2.8 11.6 3,448 3,259 5.8

Banff - Jasper - Rocky Mountain House

70 69 57 1.4 22.8 263 255 3.1

Bankruptcies

30 31 23 -3.2 30.4 109 115 -5.2

Proposals

40 38 34 5.3 17.6 154 140 10.0

Red Deer

227 230 191 -1.3 18.8 868 948 -8.4

Bankruptcies

73 73 77 0.0 -5.2 294 383 -23.2

Proposals

154 157 114 -1.9 35.1 574 565 1.6

Edmonton

1,178 1,313 1,180 -10.3 -0.2 4,891 4,377 11.7

Bankruptcies

370 419 398 -11.7 -7.0 1,620 1,710 -5.3

Proposals

808 894 782 -9.6 3.3 3,271 2,667 22.6

Athabasca - Grande Prairie - Peace River

173 187 139 -7.5 24.5 705 761 -7.4

Bankruptcies

75 61 65 23.0 15.4 265 361 -26.6

Proposals

98 126 74 -22.2 32.4 440 400 10.0

Wood Buffalo - Cold Lake

111 123 115 -9.8 -3.5 469 357 31.4

Bankruptcies

45 35 44 28.6 2.3 181 156 16.0

Proposals

66 88 71 -25.0 -7.0 288 201 43.3

British Columbia

2,400 2,706 2,371 -11.3 1.2 9,985 9,975 0.1

Bankruptcies

976 1,105 939 -11.7 3.9 4,061 4,230 -4.0

Proposals

1,424 1,601 1,432 -11.1 -0.6 5,924 5,745 3.1

Vancouver Island and Coast

496 580 463 -14.5 7.1 2,124 2,054 3.4

Bankruptcies

203 258 211 -21.3 -3.8 931 952 -2.2

Proposals

293 322 252 -9.0 16.3 1,193 1,102 8.3

Lower Mainland - Southwest

1,298 1,506 1,320 -13.8 -1.7 5,415 5,386 0.5

Bankruptcies

511 564 491 -9.4 4.1 2,047 2,098 -2.4

Proposals

787 942 829 -16.5 -5.1 3,368 3,288 2.4

Thompson - Okanagan

352 352 338 0.0 4.1 1,430 1,393 2.7

Bankruptcies

165 163 121 1.2 36.4 653 634 3.0

Proposals

187 189 217 -1.1 -13.8 777 759 2.4

Kootenay

60 88 90 -31.8 -33.3 303 327 -7.3

Bankruptcies

26 45 43 -42.2 -39.5 143 163 -12.3

Proposals

34 43 47 -20.9 -27.7 160 164 -2.4

Cariboo

115 89 94 29.2 22.3 402 472 -14.8

Bankruptcies

48 37 48 29.7 0.0 167 233 -28.3

Proposals

67 52 46 28.8 45.7 235 239 -1.7

North Coast

13 21 20 -38.1 -35.0 65 85 -23.5

Bankruptcies

4 10 8 -60.0 -50.0 25 39 -35.9

Proposals

9 11 12 -18.2 -25.0 40 46 -13.0

Nechako

17 17 10 0.0 70.0 55 57 -3.5

Bankruptcies

8 7 4 14.3 100.0 22 37 -40.5

Proposals

9 10 6 -10.0 50.0 33 20 65.0

Northeast

50 51 34 -2.0 47.1 188 200 -6.0

Bankruptcies

11 20 12 -45.0 -8.3 72 74 -2.7

Proposals

39 31 22 25.8 77.3 116 126 -7.9

Northwest Territories

18 25 24 -28.0 -25.0 97 67 44.8

Bankruptcies

10 15 18 -33.3 -44.4 55 42 31.0

Proposals

8 10 6 -20.0 33.3 42 25 68.0

Yukon

4 9 8 -55.6 -50.0 36 33 9.1

Bankruptcies

0 4 3 -100.0 -100.0 13 16 -18.8

Proposals

4 5 5 -20.0 -20.0 23 17 35.3

Nunavut

1 2 0 -50.0 n/a 7 2 250.0

Bankruptcies

0 0 0 n/a n/a 2 0 n/a

Proposals

1 2 0 -50.0 n/a 5 2 150.0
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