Many thanks to Karen Adler, CIRP, who reviewed, proofed, and improved this series of posts. Karen is also a federally-licensed Trustee in Bankruptcy, Administrator of Consumer Proposals, and Insolvency Counselor with Rumanek and Co.

Karen has contributed to the educational materials and development of the national CIRP Qualification Program for trustees, and conducts online seminars for Problem Gambling counselors affiliated with CAMH in Toronto.