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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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will I still be considered a 2nd time bankrupt after 12 years

I declared bankruptcy in a different proince in 1995; discharged in 1996. A mortgage broker I talked to who specializes in post-bankruptcy mortgages says that I don`t have to disclose my first bankruptcy since it was more than 10 years ago. Is that true

Posted from: Nova Scotia

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One Response to “will I still be considered a 2nd time bankrupt after 12 years”

A licensed trustee said...

If you have filed bankruptcy once before and you file again now then yes, it will be for the second time. Bankruptcy filings form part of a permanent record with the bankruptcy Court no matter which province (or country) you file in.