Paul Franchi and Dana Trentini explore the relationship between Canada's housing affordability crisis, household debt, excessive working hours and mental health, questioning whether individuals who remain current on their debts only by maintaining unsustainable workloads can qualify as insolvent under the Bankruptcy and Insolvency Act, while drawing on Canadian and international research to highlight the lasting financial consequences of housing market declines, the risks of overwork and the importance of early intervention, realistic income assessments and appropriate debt relief options.

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