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rgba(0,0,0,1)}body{margin:0;--wp--style--global--content-size:1200px;--wp--style--global--wide-size:1400px}body{--wp--style--block-gap:24px}body{padding-top:0;padding-right:0;padding-bottom:0;padding-left:0} Spending Habits Prior to Filing a Consumer Proposal | Bankruptcy Canada
Hello,
Thank you for this quesiton as it introduces a good discussion about spending habits. First, it is important that you try to keep your spending habits reasonable if you are looking at filing a consumer proposal. But this is probably more important during the preparation phase of the proposal and through out the proposal as it will be necessary for you to be successful. However, your historic habits will be considered by your creditors when it comes to voting on the proposal. Now your case is unique, as you paid for the trips with savings as opposed to credit, your creditors may not even be aware that you had taken these trips. But even so, if they had a concern, it would be through the voting that their concern would be made known. Worst case scenario, it is possible to factor in these trips as part of the crafting of the propsoal so that even if the trips were an issue, the overall offer could be made in a manner that compensates the creditors for these choices. Again, I don’t see it as a major issue in your case, but it is definately something to discuss with your trustee and it can be addressed in the propsoal itself.