Canada does not have a low-cost bankruptcy option for debtors with low incomes and low assets. In this article, we present empirical evidence of the need for such an option by estimating the number of debtors who might benefit from it. We then review the successful low-cost bankruptcy options in operation in New Zealand and in the United Kingdom and recommend that Canada adopt a similar system.

中文翻译：

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确定对低成本加拿大债务减免程序的需求

对于低收入和低资产的债务人，加拿大没有低成本的破产选择。在本文中，我们通过估计可能从中受益的债务人数量来提供需要这种选择的经验证据。然后，我们回顾了新西兰和英国成功实施的低成本破产方案，并建议加拿大采用类似的制度。