Scott Terrio, manager of consumer insolvency at Hoyes, Michalos and Associates a is managing an already heavy volume of insolvencies as debt-mired Canadians face the widespread job loss sparked by the global pandemic. He discusses how he is working with struggling Canadians to help cope with both the financial and psychologically damaging side of the crisis - and why he fears the second wave of insolvencies will be exponentially larger than the first.