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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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general question

Do credit cards with a zero balance have to be included in a personal bankruptcy, i.e. will my relationship with any unsecured creditors with whom I have no debt be adversely affected.

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Posted from: British Columbia

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One Response to “general question”

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

When you file for personal bankruptcy you are required to deliver all your credit cards to your trustee. So while the card isn’t directly affected you are not permitted to retain any of these accounts regardless of whether there is money owing on them or not.