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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} Bankruptcy and unresolved disputes... | Bankruptcy Canada
The trustee handling your bankruptcy is required to assign a value to any claims that are received. (A claim is the technical term for debt).
When you file bankruptcy, you are required to provide your trustee with a list of your creditors, including the amount that each is owed. Your trustee uses this list tonotify the creditors of the bankruptcy and to provide them with the paperwork necessary to submit a claim against your estate.
If you have concerns about a specific creditor’s claim you should let your trustee know about your concerns before you file. At the end of the day, it is up tothe trustee to decide what each claim is worth.
I should wanr you that in most cases, claims from commercial lenders (banks, credit cards companies, finance companies) are accepted at the value submitted.
I agree that the practices you have described are questionable, but I’d be willing to bet if we checked the fine print on your lending agreements, the lender had the right to do what they did with your payment and the interest rates.
Hopefully the other people reading this site will learn from your unfortunate experience and stay away from these predatory lenders. If you apply to a major bank for credit and they reject your application then you probably shouldn’t be trying to borrow…