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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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debts not discharged in a personal bankruptcy

what debts are not discharged in a bankrupcy?

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One Response to “debts not discharged in a personal bankruptcy”

A licensed trustee said...

The exact list of debts that are not discharged when a person files bankruptcy appears in Section 178 of the Bankruptcy and Insolvency Act. I suggest you read that section if you’d like a complete list. Copies of the Act are available in various places on the web.

Breifly, the follwing types of debt are not discharged by bankruptcy (or a proposal):

1) fines or penalties imposed by a Court
2) alimony and/or support payments
3) debts aring from fraud, embezzlement, etc.
4) student loans unless you have been out of school for 10 years

If you have concerns about whether or not a specific debt will be discharged I suggest you ask whatever trustee that you are dealing with to comment on that debt before you file your assignment.