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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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Discharge period

I have never filed for bankruptcy before. My question is, if or when I file, how long before i get discharged from all my debts assuming I follow all my requirements ?

If a creditor decides to oppose my discharge, when will I know about this ?

I read somewhere that creditors can oppose a discharge on the day before you get released. If this is so, WHY do they allow this and/or WHY would the creditor wait till the last MONTH/DAY before you get release to file an opposition ?

THank-you

Posted from: Ontario

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One Response to “Discharge period”

Barton Goth – Goth & Company Inc. – Bankruptcy Trustees said...

Is you are done everything prior to the 9 month anniversary from the date you filed bankruptcy and there are no oppositions to your discharge then you will be given an Automatic discharge that is effective as of that 9 month mark.

As for your second question, you are correct, the creditors have the entire duration of the bankruptcy to oppose this discharge. As for the reasoning why, I cannot tell you that, it is simply a component of the legislation that must be followed.