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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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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 Super Intendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Calculation of surplus income

If i declare bankruptcy will my spouse`s capital gains/losses , dividends or interest income be included in the calculation of surplus income?

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One Response to “Calculation of surplus income”

Barton Goth GCO Bankruptcy Trustees said...

Indirectly yes. The surplus calculation is based total household income, which includes income from any and all sources. then at the end of the calculation you must factor out her percentage of that income. It is best to contact a local trustee directly and run through how the calculation is done in person as it can often be confusing in a forum such as this.