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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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2nd Time Bankrupt?

I had (and completed) a consumer proposal in 1995. After becoming disabled, I am now considered bankruptcy. Will I be considered a first-time bankrupt, or will I be a second-time bankrupt due to the previous consumer proposal?

Posted from: Nova Scotia

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One Response to “2nd Time Bankrupt?”

A licensed trustee said...

If you perform all of your ditiues properly and no one opposes your dsicharge then you will be treated as a “first time bankrpotcy filer”. If you end up in Court for some reason, the Court may treat you as a second time filer due to your previous proposal.

So, if you decide to file, do everything properly so you don’t end up in Court…