Credit Slips is excited to welcome Professor Stephanie Ben-Ishai of Osgoode Hall Law School at York University. Ben-Ishai has published widely on bankruptcy and commercial law and has several studies on how Canadian bankruptcy laws affect low-income consumers in Canada. With Canadian bankruptcy reforms taking effect last Friday (September 18) as well as earlier in the summer, Ben-Ishai has kindly agreed to discuss these changes with our readers as well as her perspectives on consumer indebtedness in Canada and around the world. Thank you, so much, Professor Ben-Ishai, for agreeing to join us for a while.