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

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*Unsecured debt includes credit cards, lines of credit, bank overdrafts, payday loans, and unsecured personal loans (excluding student loans). It does not include mortgages and car loans.

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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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Declaring Bankruptcy

When the bankruptcy note on the credit file finally purges after 6 years, are you still obligated to inform future lenders that you were once bankrupt?

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One Response to “Declaring Bankruptcy”

A licensed trustee said...

Yes, if someone asks you if you have ever filed for bankruptcy (and you have in the past filed) your answer should be yes. You are under no obligation to tell them if they don’t ask, but if they do and you lie it may be grounds for legal action in the future if something goes wrong…