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I am in trouble. I just lost a well paying job and am working at one which pays half the money. I have debts over 140K and I would like to make a Div 1 proposal to the creditors. But what scares me is that a refusal of the proposal means automatic bankruptcy. There is […]
I went bankrupt 2 years ago. It was never discharged. I haven’t done my taxes for the last 2 years either. I want to get things cleared up, but I don’t know what to do or where to start. Can I still do my taxes? Is there other information I need other that T4 slips […]
After many years and spending every last cent I have; not to mention what I have borrowed, I realized that I have a gambling problem… I can no longer pay my bills and am afraid to go bankrupt because of the shame of where the money went and the stigma that both going bankrupt and […]
I’m trying to get some errors corrected on my credit report. I have documentation from the creditor – indicating that there was in fact an error and my credit report needs to be correct. However – Equifax does not reply to my letter or faxes. And they don’t have real people that answer the phones. […]
My student loans will be 10 years old this year but filed bankruptcy in 2005. Can I back date my student loans into the bankrupsty.
I was recently told that making a payment in full to a creditor on the eve of bankruptcy is a serious offence… obviously I can’t get the money back. what kind of penalty would I be looking at? The funds in question amount to about 5000.00 and were obtained from income tax and RRSP redemption. […]
I have almost $20,000 in unused tuition and education tax credits — what happens to them if I declare bankruptcy?
I have recently proposed to my financial institution a one time payment to settle my loans which are now in default. I am anxiously awaiting there response. Is this in fact, considered a legal consumer proposal, or do I have to make a proposal through a licenced trustee
My question having resided now in the US for the past seven years, do the Canadian credit institutions still pursue the debt outstanding upon my return or does the statute apply and is the debt now erased
Recently a family memeber suffered a major stroke and was place in Disibility Bankrupcy and all of his income sources were listed as required, employer based Long Term Disability. Since the filing, we have received notice that approval for Disibility CPP was granted. Will the DCPP be included as an increase in monthly income? What […]
