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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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bankruptcy start date

When does a bankruptcy start? The day you sign papers with a trustee or the day its registered with the superintendent of bankruptcy?

Posted from: Ontario

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One Response to “bankruptcy start date”

A licensed trustee said...

In most cases, those are the same day (in our firm, it’s usually the same hour – once you sign the forms they are uploaded via the internet to the Superintendent). When the Superintendent receives the documents they are time and date stamped – that is the offical time your bankruptcy starts.