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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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payments

I plan on declaring bankruptcy in the very near future – the debts are too large – I am on a pension – that is the only income I have.
I have stopped making payments to my creditors – who have been calling.
Should I try to make small payments to the creditors – until such time that I do declare bankrupcty or should I just wait it out?
I live in Quebec.
Also, can a creditor make a seizure before judgement on the debt that I owe?

I went through a very depressing time and spent way above my means to try to lift my spirits and even lost some money gambling.

At this point I am not even sure if I would qualify for banruptcy. I do not want to lose my car – my husband is sick and needs to be driven to his various doctors appointments – so I need the car.
What should I do?

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One Response to “payments”

A licensed trustee said...

I think you should use the links on this site to find a trustee in your area and either give them a call or go and speak to them directly. I realize it is a difficult decision, but I think you will feel more confident about your options after you’ve taken the time to speak to a trustee.