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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} consumer proposals question on credit application | Bankruptcy Canada
If you did not (have not) filed bankruptcy then you may honestly answer the question “no”.
One of the reasons to file a proposal instead of filing bankruptcy is so that you may answer this very question in the future.
Something to watch out for: if the application asks if you have ever been “insolvent” the answer would be “yes”.
There are not too many employers that will ask this question, but it is becoming more common on credit applications. In order to file a proposal or bankruptcy you must declare yourself to be insolvent and therefore the different answer. Declaring yourself to be insolvent simply means that you cannot deal with your debts in the normal manner.
Bankrupt and/or bankruptcy are legal terms for very specific legal procedures – if you have not been involved in the procedure then the answer to your question is “no”.