Bankruptcy Annulment Confusion

April 1st, 2015 by Questions

In January 2011 I filed for bankruptcy. Sadly, a couple of months later my father passed away and I received enough money to pay half the debt owing. On October 7, 2011 (once I had access to the money) my trustee filed a Consumer Proposal for me. All went well and I have a Certificate of Full Performance of Propsal dated December 13, 2011.

I’m trying to get my credit bureau files cleaned up and I’ve noticed what might be a big problem – the Performance Certificate for the consumer proposal references the court filing number of the bankruptcy. The net result is that there are two court filing numbers, one for a bankruptcy (that I’m told was annulled but I’ve got nothing official that says it was), and one for a consumer proposal that was completed but has the wrong filing number on the certificate…….Bankruptcy Annulment Confusion.

Am I headed for trouble? And how do I fix this?

Thanks!

Posted from: Ontario

Questions

One Response to “Bankruptcy Annulment Confusion”


April 01, 2015 at 8:29 am, Jillian Taylor-Mancusi, Trustee | B.A. | C.I.R.P said:

There are several numbers associated with filing consumer proposals as well as assignments in bankruptcy. Some of the numbers refer to the trustee’s file number, some to the Superintendent of Bankruptcy file and some to the Court file number. From what you have described in your email, it appears that you are referring to the Estate Number which is issued by the Superintendent of Bankruptcy. It is highly unlikely that your creditors will be concerned as to the number on your certificate. Any search of the bankruptcy records will show both the annulled bankruptcy proceedings as well as the completion of the consumer proposal. It is unlikely that anybody would be misled.

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