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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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Credit Rating

If you keep a joint account with a relative and there is no debt directly affiliated with the bank that the account is with, if you file for bankruptcy, could the relatives credit rating be negatively affected?

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One Response to “Credit Rating”

Barton Goth GCO Bankruptcy Trustees said...

No, the only way their credit rating would be affected is if they had signed on debt with you, you filed for bankruptcy and they didn’t make any payments on the debt that is attached to their name.