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Scott Terrio is the Manager, Consumer Insolvency at Hoyes, Michalos & Associates, an Ontario firm of Licensed Insolvency Trustees. He holds professional designations including QIC (BIA Qualified Insolvency Counsellor) and CPCA (Certified Professional Consultant on Aging). A widely quoted commentator on Canadian consumer debt, he appears on BNN Bloomberg and contributes to Maclean's, MoneySense, and The Globe and Mail, and he presents and writes about the firm's annual Joe Debtor bankruptcy study. He appeared on the podcast to discuss consumer insolvency.