How to Stop CRA Garnishment After Receiving an RTP Demand Payment Letter

Ever felt the stress of unexpected financial setbacks? How to stop CRA garnishment is a question many Canadians face when dealing with debt issues and a RTP (Requirement To Pay) from the Government of Canada. Understanding the steps to halt this process can alleviate a significant amount of stress and help you regain control over […]

How Many Times Can You Do A Consumer Proposal

Ever felt like you’re stuck in a financial maze with no exit in sight? Debt can weigh you down, making every day feel like an uphill battle. But what if there’s a way to reset and start fresh? How many times can you do a consumer proposal? The straightforward answer is that you can file […]

Who Can Put a Lien on Your House in Canada?

Liens can significantly impact property ownership in Canada, often catching homeowners off guard. Understanding liens—what they are, the types that exist, and who can place them on your property—is crucial for any homeowner. This article unpacks the complexities of liens, explores potential lien holders, and discusses the consequences they can have on property sales. It […]

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separated going for consumer proposal

I am unofficially separated. Still living in the same household. Paying bills. Our matrimonial debt is huge. Can I file for consumer proposal for myself? how to do it?

Posted from: Ontario

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One Response to “separated going for consumer proposal”

A licensed trustee said...

Certainly – FYI you don’t have to be separated. You have the right to file a proposal or bankruptcy regardless of your marital status to deal with your debts. Keep in mind if you do decide to file that your spouse will be held responsible to repay any joint debts the two of you have. The polite thing to do is to warn them you are going to file so they can look at their own situation.