Canadian Association of Insolvency and Restructuring Professionals

Become an Insolvency Counsellor

Do you have some post-secondary education? Are you well versed in the pros and cons of consumer debt products and services? Do you derive satisfaction from helping others?

If you answered yes to any of these questions, a career as an Insolvency Counsellor may appeal to you.

The CAIRP Practical course on Insolvency Counseling is the first step to becoming a BIA Insolvency Counselor. BIA Insolvency Counselors are permitted to provide insolvency counseling to individual bankrupts and consumer debtors on behalf of Licensed Insolvency Trustees, if they meet the requirements outlined by the OSB.

The Practical Course on Insolvency Counseling (PCIC) is a four-module online course that covers the basic knowledge required of a competent Insolvency Counselor and focuses on its practical application. The course requires the completion of two assignments.

Successful completion of the course and final examination makes you eligible to apply for CAIRP Associate Membership and benefit from discounted professional development offerings relevant to counseling that will enhance your skills and benefit your career.

If you are currently in or considering the CIRP Qualification Program, the PCIC will be a program requirement for you.

PCIC prerequisites

High-school diploma or equivalent plus one of the following:

  • A minimum of three years relevant practical experience supporting an LIT or registered BIA Insolvency Counselor.


  • A minimum of 30 credit hours of post-secondary education completed in a diploma or degree program from a recognized post-secondary institution.

Cost and Application Process

There are two components to the cost of the PCIC: 1) the cost of the course and 2) the cost of the exam. Refer to program fees for current pricing.

Applications are accepted throughout the year. Please consult Important Program dates for timing of exams and registrations deadlines.

Assignment Assessor

Applicants should arrange to have an LIT or a BIA Insolvency Counselor available to assess their assignments or contact CAIRP as soon as possible to make alternative arrangements.


Ben Lecointre ()
Tel : 647-695-2371