Q&A: Answers to Questions

Most Recent ‘Q&A’ Posts

Income tax refund

once you have done a consumer proposal are you entitled to you income tax refund? Posted from: British Columbia CATID10

Based on what I have seen on this site, a CP needs to be at least 1/3 of the debt. If lets say I had total debt over 300K and a third of that would be 100K. Now if my income level is only a bit above the threshold and based on my calculations, it […]

What route should I take?

It will be two years this coming July that my husband & I claimed bankruptcy. We kept our home. Our mortgage is higher than what the property value is. My husband and I are now separating and I am wondering what I should do now. I can’t pay rent and a mortgage. When the house […]

Clint

What are the consequences if I do not disclose all debts in a consumer proposal and am caught? Posted from: British Columbia CATID10

file bankruptcy together

My wife and I are decided filing bankruptcy is only option for us, but we’re not sure that should we file together at same time, or file seperate, or even file just my wife first, then I file it after she has been discharged. Thanks. Posted from: Ontario CATID1

Debt Settlement

My credit is not perfect, but it’s not awful. I have about 20, 000 of credit card debt and never seem to be able to make a dent in it. I have been considering a debt settlement or credit counselling, but I was wondering how this would affect my credit? Posted from: Ontario CATID16

Paying out a consumer proposal early

After 2 years on consumers proposal, is it okay to pay the lump sum balance without any penalty or charge?

Which to file for??? HELPPPPPPP

I am disabled and my mobility is very limited with absolutely NO income, my husband makes approx 53,000 annual. We have a 4 year old daughter and have accumulated over 52000. in personal debt a credit line and 2 credit cards. Due to my illness we are at my family’s home but hope one day […]

PLC secured to home

When a personal line of credit is opened and is an asset to be held as security with this be covered by bankruptcy? Posted from: Ontario CATID11

rebuilding credit after bankruptcy

how could I regain my credit back after bancruptcy? is credit card an asset or something else would be able to help? Posted from: Quebec CATID13

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