http://www.bankruptcy-canada.ca/consumer-proposals/2009/02/proposal-and-dept-collection-agency.html Personal Bankruptcy Canada Blog Fri, 10 Feb 2012 15:23:44 +0000 hourly 1 http://www.bankruptcy-canada.ca/consumer-proposals/2009/02/proposal-and-dept-collection-agency.html#comment-87490 Ted Michalos, CA trustee Fri, 27 Feb 2009 11:49:40 +0000 http://www.bankruptcy-canada.ca/consumer-proposals/2009/02/proposal-and-dept-collection-agency.html#comment-87490 Yes you may file a proposal together with your spouse (or any other person) as long as "all or substantially all" of the debts are similar. This phrase is not defined in the Bankruptcy and Insolvency Act, but it is taken to mean 90% of the debts are the same. There is some wiggle room here - how much depends on the trustee that you are dealing with. Yes you may file a proposal together with your spouse (or any other person) as long as “all or substantially all” of the debts are similar. This phrase is not defined in the Bankruptcy and Insolvency Act, but it is taken to mean 90% of the debts are the same. There is some wiggle room here – how much depends on the trustee that you are dealing with.

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