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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} RRSP withholding tax | Bankruptcy Canada
On the surface, your plan sounds reasonable. The problem you may run into is this: if you cash out all of those RRSPs and then file bankruptcy, your trustee is going to require you to provide a detailed accounting of what you did with the money. If you repaid family and friends nd didn’t repay an equal amount to all of your other creditors, your trustee will be required to contact all of the people that you paid and demand the money back. Instead of solving a problem, you will be creating a much bigger one a year from now.
I think you should talk to a local trustee before you execute your plan – I suspect they will have a better idea.
Off the top of my head, I think you ought to conside a proposal to creditors, whereby you cash out the RRSPs, your trustee remits the required tax on your behalf and then the remainder is paid to your creditors on a proportional basis.
I am sure whatever trustee you talk to will have a couple of other alternatives too.