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conditional discharge and filing of a second bankruptcy

I made the mistake of getting mixed up in payday loans while in bankruptcy (payday loans not covered by my initial bankruptcy). Currently I have a conditional discharge, I have debt outstanding debt owing from the payday loans, and I am being threatened with wage garnishment. Can I file for a second bankruptcy while currently in a conditional discharge?

Posted from: British Columbia

One Response to “conditional discharge and filing of a second bankruptcy”

Barton Goth – Goth & Company Inc. -Trustee in Bankruptcy said...

You are not eligible to file a second bankruptcy until you have fulfilled the conditions of your conditional order and have been discharged from the first bankruptcy. Although, filing a second bankruptcy so quickly after the fist will make the bankruptcy process much more involved, so you may want to discuss the ramifications of a second bankruptcy with your trustee as it may be better for you to investigate the filing of a consumer proposal instead (although to do this you still would need to finish your original bankruptcy first).