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Hi. I have paid into my mortgage for almost 4 years, which is in excellent standing, and had to file a consumer proposal just over a year ago. My spouse and I are expecting our first child together and have his youngest daughter living with us. We are looking at getting a bigger home for […]
i just had my consumer proposal annulled can i file for a second one? Posted from: Ontario
i work on commission sales and had a better year in 2011 than 2010. can they take the last 2 years and average out my wages for a consumer proposal? my job in very unpredictable and my trustee said they will let me go bankrupt as they would expect a higher surplus income. any advice??? […]
i have a mortgage with mbna and i also have a credit card with them. can i lose my house if i do a consumer proposal on mbna’s credit card along with my other credit cards. can they make me pay the full amount to keep my house? Posted from: Alberta
My spouse and I are considering a filing a consumer proposal. We have $50,000 debt with RBC joint line of credit. I have another $14,000 RBC visa and he has $11,000 RBC visa and $8,000 NBC master card. Since almost very thing is with RBC is it a good idea to still file a CP. […]
Do I need to hire a Trustee to file for a Consumer Proposal? Can I file for consumer proposal by myself without having a trustee in the middle? Please advise Posted from: Alberta
Because various financial institutions set their monthly minimum credit card / line of credit payments differently, how can I ensure that I am not accused of favoring when paying one creditor over another? For accounts with similar balances owing, one company would ask a minimum payment of $50 (interest + $10) while another would require […]
We are thinking about filing CP and we will stop making minimum payments- Can you please expalian the process of garnishment and how long it takes for a creditor to garnish wahes? Thank you Posted from: Ontario
What is the cost to a consumer proposal Posted from: Ontario
I work for a bank and have to list a visa with them in the proposal. Can they fire me for this ? My mortgage and LOC is also with them but secured. My pay is directly deposited into my act and my mortgage payments come out the same day. I have never missed a […]
