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Just wondering … what type of monthly expenses are allowed to be incurred when entering into a debt repayment or consumer proposal program. Am sure that things such as.. rent/heat/hydro/food/insurance/car payments, gas, and maintenance/personal care … would be allowed … but what about cell phone/cable/internet/medical expenses/clothing? Is there any where that I can find out […]
Thanks for commenting on my question. I have another. My relative passed away and then I discovered that he left no will and had filed bankruptcy last year which he did not make payment on. It looks as if he sold anything of value he might have had and left a huge mortage. I have […]
I have been Bankrupt since 2002 and have not had it discharged yet. I have not had a good experience dealing with my current Trustee. Am I able to change my trustee in order to get my bankruptcy discharged?
Bankruptcy filed – April 2004 Discharged – Jan 2005 Problem – Creditors have varying dates of when they last reported on my credit report. Some have last reporting dates in 2005 and some are still reporting monthly as if the account is still active. Only one creditor has reported correctly. Creditors should not report after […]
Hello, I’m a bit confused since I’ve received different answers about this question; If I file a consumer proposal (DIVI type with debts > $75K), am I required to attend Credit Counselling sessions like in a regular bankruptcy ?? Thanks.
I recently filed for a consumer proposal and it was accepted by the creditors. I understand that the proposal will remain on my credit report for 3 years after I’ve completed the payments in the proposal, and then after that it’s cleared… but don’t creditors also have access to the Superintendent of Bankruptcy files. Is […]
I have an upaid student loan of 30000 since 1995. Filled for first bankruptcy 1998 and the second one in 2002. Got registered letter from the debt collection officer asking to repay. Her is the strange thing, called a trustee and she suggested to file a third bankruptcy if in 2 bankruptcies the student loan […]
DURING MY NINE MONTHS, I LOST MY JOB AND COULD NOT FINISH PAYING… HOW DO I COMPLETE THE DISCHARGE NOW THAT I AM WORKING?
I have student loans that are closing on 7 years age. I understand that there was some new revisions in the laws that was supposed to decrease the time from 10 years to 7 years before they can be included in a bankruptcy agreement. Can you elaborate on this? Is there a website where i […]
i got addicted to online gambling– i maxed out all my credit cards. can i file bankruptcy? i quit gambling now.
