Beyond Material Salvation – Rethinking Insolvency and Debtor Morality is part exposé, part philosophical reckoning with how modern capitalism has turned debt into a moral religion.
Drawing on his career as a Licensed Insolvency Trustee, Shawn A. Stack reveals how Canada’s credit counselling industry—once seen as the moral backbone of debt rehabilitation—has devolved into a network of soft collection agents preying on guilt, confusion, and the myth of financial virtue.
But the book goes further, exposing how the ideology of Material Salvationism—the belief that fulfillment can be bought, earned, or financed—has reshaped our moral imagination, turning productivity into piety and credit into confession. Weaving together practical insight on bankruptcy and consumer proposals with a philosophical critique of worth, agency, and redemption, Stack challenges readers to reclaim their humanity in a world that measures the soul by the balance sheet.