Whether or not you believe we're out of the recession, new numbers say many Canadians are still falling on hard times. The Office of the Superintendent of Bankruptcy Canada says the number of bankruptcies in the country increased by almost 30 percent in September over August. Credit Counsellor with the Family Counselling Centre in Brantford, Sue Davey, says people need to take control before it's too late. That should include taking stock of money you have coming in over expenses, and addressing debt with what's leftover. Davey points out that unsecured debt is usually the trigger for filing. Overall for the year ending in September, the number of insolvencies (bankruptcies and proposals) jumped by about 34 percent from last year. Davey says income reduction, whether it be from job loss, a cut in hours etc., is what drives people to require help in managing their money. Davey says while it's never usually the preferred path, bankruptcy is sometimes one of the only options for someone struggling.