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How can we help you?

If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Start Fresh Today

Start Fresh Today Smooths Out the Hurdles in the American Bankruptcy Process.

In many ways, bankruptcy in the United States is similar to bankruptcy in Canada. However, the American legal system sets up hurdles that can make the bankruptcy process more difficult, more time consuming, and more expensive than it was just two years ago.

Start Fresh Today provides a unique one-stop solution for everyone involved in the U.S. consumer bankruptcy process. Some of the changes in the U.S. bankruptcy process include:

* The requirement that all consumer bankruptcy petitioners complete an approved credit counseling briefing before filing: consumers can purchase an approved, online briefing directly through Start Fresh Today, or consumer bankruptcy attorneys can set up accounts for their clients;

* A means test based on median income and certain allowable expenses is required to determine whether or not a bankruptcy petitioner is eligible for Chapter 7 bankruptcy: Start Fresh Today provides an online means test and quick means test to help consumer bankruptcy attorneys quickly determine their prospective clients’ eligibility;

* Consumer bankruptcy attorneys are required to verify certain financial information included in the bankruptcy schedules: Start Fresh Today provides a convenient centralized place for attorneys to order all of these products, and electronic delivery and storage of the documents; and

* Consumers must complete an approved debtor education course before receiving a discharge in bankruptcy: consumers and bankruptcy attorneys can purchase approved courses through Start Fresh Today.
Start Fresh Today also provides resources for consumer bankruptcy attorneys, U.S. bankruptcy petitioners, Licensed Insolvency Trustees, and even the approved agencies that provide credit counseling briefings and debtor education courses. The Start Fresh Today website offers means test information, state bankruptcy exemptions, links to bankruptcy forms and statutes, and more.

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