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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 Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Bankruptcy affecting spouse

Can I go bankrupt without my spouse. She would still have some debts in her name. Can she continue to pass these debts normally while I am in bankruptcy?

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One Response to “Bankruptcy affecting spouse”

Barton Goth, GCO Inc. Bankruptcy Trustees said...

It is very common for a spouse to declare bankruptcy or do a proposal without it affecting the other spouse. However, you must be very careful when examining all of the facts that (a) all of the debts are listed in individual not joint names, and (b) none of the assets within the house have been pledged as security on any of the loans that will be contained within the bankruptcy or proposal.

I recommend consulting with a trustee in your local area. Make sure you are confident whose names the debts are listed under, if there is any doubt I recommend bringing in the original documents you signed when entering into the various loan contracts for the trustee to review.