Ontarians with higher earnings filing for insolvency: study Among the businesses that were counted in the OSB report, construction, and accommodation and food services saw the biggest year-over-year declines in insolvency filings.Retailers and entertainment venues saw the biggest increase in insolvency filings in August.Keith Emery, co-CEO at Credit Canada Debt Solutions, says that despite the drop, a wave of consumer insolvencies could come later this year, amid the end of debt payment deferral programs and wind down of emergency government support..