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If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Super Intendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Consumer Proposal Unfairly Annulled

I filed a consumer proposal in April and have just received a letter stating that my proposal has been annulled for non-payment, the reason being that my payment was due on the 30 of December and was not received, but I tried to make my payment only to find that the office where I was to make my payment, and any of the offices in the surrounding areas had been closed from December 24 to January 5. I tried to get in contact with someone but was not able to reach anyone as it seems the entire staff was on vacation. So I arrived with my payment the minute they opened on the 5 January, the first day that they were open after my payment was due, they accepted it, and a week and a half later I received a letter stating that my proposal was annulled. Now I face bankruptcy, which will mean the loss of my vehicle, which in turn will mean the loss of my job. Is there anything I can do?

Posted from: Ontario

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One Response to “Consumer Proposal Unfairly Annulled”

Barton Goth – Goth & Company Inc. -Trustee in Bankruptcy said...

If the equivalent of 3 monthly payments is missed there is no one with the authority to extend the proposal, not the trustee, not the courts and not the creditors. The only thought I have is you can look at filing a second proposal. This can’t be a consumer propsoal, but you could file a Div I Proposal. I would suggest you contact your trustee to discuss this as it would allow you to avoid a bankruptcy. But you must remember that this is starting fresh. It is not picking up from where your last proposal left of, it is brand new.