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*Unsecured debt includes credit cards, lines of credit, bank overdrafts, payday loans, and unsecured personal loans (excluding student loans). It does not include mortgages and car loans.

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How can we help you?

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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Am I officially discharged?

I filed for a consumer proposal February 6, 2001. I have recieved a certificate of Full Performance (form 49.3) on November 12, 2003. What does that mean? Am I discharged? On my credit bureau’s it continues to show that I have filed for bankruptcy rather than showing a consumer proposal was filed. Why is that? Is there something that I have to do to update my bureau?

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One Response to “Am I officially discharged?”

A licensed trustee said...

Yes, you are officially discharged. Credit bureaus often mis-code information, so you should send the Certificate of Full Performance with a letter of explanation to the credit bureau to have your credit report corrected. The administrator of your proposal will also be able to provide you with assistance in this regard.