April 9th, 2011 by Questions
I am hearing from this website that some having problems with being discharged, or with trustee- How often this happen? and how to deal with it?
Posted from: Ontario
April 09, 2011 at 5:13 pm, A licensed trustee said:
If you re-read the postings that say they are having problems being discharged, most freely admit that they did not complete their duties during their bankruptcy. If you don’t complete all of your duties you are no eligible/entitled to a discharge.
In our practice about 1/4 of all bankrupts are unable to complete their duties as required – the vast majority simply are unable to pay the required surplus payments in the time allotted and therefore they end up in Court to request more time.
Fewer than 1 in 100 simply “disappear”. For whatever reason they don’t complete any of their duties and stop communicating with thier trustee. The people that stop communicating with thier trustee are usually the ones that have the hardest time in Court…
As far as having problems with their trustee, well, it obviously happens. All you can do is make sure you are dealing with a repuatable firm. The fact that 1 out of every 4 people that files bankruptcy now has paid a debt consultant some kind of fee doesn’t help. The trustees that accept these files (we don’t by the way) may not develop the working relationship with their clients that a firmn that meets with your two or three times themselves do… If you get a bad feeling when you speak to a trustee go and find one that makes you more comfortable BEFORE you sign.
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