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Most Recent Anonymous Questions & Answers

  • Surplus Income Owing at the End of Bankruptcy
    I am at the end of my bankruptcy and I’m being told I owe 5200.00 dollars and my husband owes 4200.00 because of surplus income owing. There was no talk of this now I’m slammed with this . Do I have any options?
  • Filing Bankruptcy While In Prison?
    Can you file for bankruptcy while in prison? Can someone who is currently in jail declare bankruptcy? What do you need to do to go through with it?
  • Tuition paid after I filed for bankruptcy
    If I filed for bankruptcy in 2019 and I lost any tuition carryforward due to bankruptcy. Am I still able to claim my tuition I paid in 2020 if I have not been discharged ? Or I do I lose it like I did the 2019 amounts?
  • Overpayment on Social Assistance
    Due to a delay submitting my papers on an appeal due to a family member being sick and in hospital I was cut off my social assistance and they have given me an overpayment of $77000 to pay back but I will never be able to do this with what I make and trying to … Read more
  • Should I Switch Banks before I file Bankruptcy?
    I recently read that it is advised that you close your present bank account and obtain a new account (with a bank you have never dealt with) before you actually declare bankruptcy.  I have no credit cards or a bad history with my present bank. Is this step really necessary?
  • What Information can a bank can retain on your consumer proposal?
    Our consumer proposal was discharged in 2015 and expunged from both our credit bureaus in 2018. We were able to secure a mortgage this summer (from a credit union), but during the inquiry to do so, found that a bank that we currently deal with (chequing and savings accounts) has an “internal note” about our … Read more
  • Soon to Be Ex Headed towards Bankruptcy – How will it affect me?
    Gambling, online shopping, dating, gaming… I could go on. He’s spending thousands he does not have. How will this affect equalization and funds held in trust from sale of matrimonial home? We are in year 3 of separation, nothing happening, several court dates. How do I protect myself & any monies owed to me in … Read more
  • Can Health Canada Freeze My Bank Account
    Hi, I was stopped at the airport by Health Canada and I refuse their hotel and the test pcr, I took one just before my flight to Canada, so they gave me fines 5000.00 per day =15000.00 + 5000.00 for the pcr test + 5000.00 because I removed my mask 2 minutes to make a … Read more
  • Can I file for bankruptcy while on Long Term Disability?
    I am on disability. A couple of months ago I received a letter from Long Term Disability (LTD) to pay them back around $ 50,000.00. I am not able to pay this amount. I asked many different financial institutions to get a loan. But my request was declined everywhere because I can’t work anymore. Can … Read more
  • Considering bankruptcy: minimum debt amount and income calculation
    Looking to claim bankruptcy. However, I am now unemployed with no income coming in. My spouse is supporting the household. Is his income considered my income if I file? The debt is all my own, none of it is joint with my spouse. However, the amount is less than ten thousand – is there a … Read more