FILL OUT THE FORM BELOW AND RECEIVE A NO-OBLIGATION CONSULTATION

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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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late payments

I have been considering bankruptcy for the past several months. It has now gotten to the point that I have fallen 1 month behind in payments to my credit cards with only 1 late payment previous to this one. The creditor is now calling my home. So far I have managed to avoid the call but don’t really want to ignore them. Is there anything you can suggest that I tell them? I don’t want to lie and make an arrangement to pay when I’m going to file for bankruptcy soon. Do I tell them I’m preparing to file? I live in Ontario.

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One Response to “late payments”

Barton Goth GCO Bankruptcy Trustees said...

What ever you do just make sure you are upfront with the bill collectors. This typically makes things a lot cleaner and you never have to worry as to whether your actions will have negative consequenses. As well, when you make a commitment to the collectors, keep it. This can be as simple as telling them you are going to discuss things with a trustee or when a payment is going to be made. If you can’t keep the commitment give them a courtesy call.

By insuring that you always treat the collectors in a courteous and fair fashion you will be much better off than those who don’t. At the same time, don’t avoid the call, be up front.