debt collector’s rights
I am wondering if collection agencies and/or the creditors themselves have the right to call my relatives such as my parents about my debt or are they required by law to deal directly with me and no one else?
Q&A: Answers to Questions
Most Recent ‘Q&A’ Posts
can I keep my musicall instruments if I go bankrupt
I am a musician and sometime I make my living out of playing music at weddings and parties but thats not a full time job. If I go bankrupt, do I get to keep these equipment. The total cost is about $4000. Thanks
Being forced into bankruptcy
If a person has alot of debt but does not want to declare bankruptcy, are there some cases where creditors can go to court and have an order made to force a person into declaring bankruptcy? If so, under what circumstances would this occur?
CCRA lien on house
Can CCRA obtain a lien on my home after I declare bankruptcy or is it too late then?? They have not put a lien on yet.
Credit bureaus
I have filed and been discharged from bankruptcy twice. Once in 1996 and then again in 2003. Recently I pulled a bureau on myself from EQuifax and Trans-Union. Equifax only shows the most recent bankruptcy while Trans-Union shows both. When I requested my first bankruptcy be removed from my file (since it was well over […]
Loans in consumer proposal
I have taken high interest personal loan to payoff my OSAP(student loan ) and university tution fees. i also pay off my someother loans which i borrow from my friends and family during studies. i want to do consumer proposal now. My Question is that i can include that loan in proposal although it is […]
property taxes during bankruptcy
I owed about 4000.00 in back taxes on my house which were included in my debts for bankruptcy. I continued to make morgage payments until my bankruptcy was discharged so kept the house . About 4 months after discharge I gave the house back to the bank . I was charged with a settlement of […]
What happens to other debt
I am very recently separated from my husband. All debts accumulated during the past 5 years have been in my name. I have a consolidated loan that will be paid off next Sept and a car loan which were co-signed by my parents. Is it possible to include all other debt in filing for bankruptcy […]
What happens if I dont go Bankruptcy
I owe large amounts (>$75,000) to credit card companies and banks. And not in a possition to pay it back (work contract base and dont make much). What happens if I don’t declare bankruptcy? Ever! Is there going to be a criminal charge against me? I know I wont be able to get any credits […]
Starting New Company
I have recently been discharged from my bankruptcy and I wish to start a company. Can I serve as a director in a limited company, if not could I appoint someone else as a director and then be the president? I would own all the shares in the company. Can a bank refuse to let […]