Josefina runs a house-cleaning business in Kanata, an Ottawa suburb known as "Silicon Valley North" due to its heavy concentration of tech company start-ups.Josefina now has several assistant housekeepers who travel around Kanata from client to client performing housekeeping chores on a half-day basis.Josefina's clients are busy professionals who lead busy lives and are happy to have her do their housework.The last thing that they want to do is to come home and clean.??However, after the tech stock bust many Kanata residents are into coupon-clipping and penny-pinching once again.Josefina's housekeeping services are among the first luxuries to go.As a result, she is now facing the prospect of either assigning herself into bankruptcy, submitting to an application by her creditors for a bankruptcy order or making a proposal.Which option should she choose?
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