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A 2nd time

I went through bankruptcy 9 years ago and now with separation and lawyers I mat have to look at it again, what is different if anything?

Posted from: Ontario

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One Response to “A 2nd time”

A licensed trustee said...

The second time you file your bankruptcy wil run a minimum of 24 months if you are not required to pay any surplus income, or 36 months if you are. Before you decide to file bankruptcy for a second time you should discuss with your trustee whether or not a consumer proposal might make more sense for you. You always end up paying more to your creditors in a consumer proposal (as compared to bankruptcy), but the payments are usually a lot more manageable…