FILL OUT THE FORM BELOW AND RECEIVE A NO-OBLIGATION CONSULTATION

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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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How can we help you?

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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Unemployed

I am considering applying for bankruptcy. I am currently unemployed and looking for work. In the meantime my spouse and I are living off of his income. Am I able to apply for bankruptcy while unemployed or do I need to have a job first? If I apply while unemployed will I be expected to aquire employment in order to finish the term of bankruptcy? I understand that my husbands income will count as part of our household income.

Posted from: Saskatchewan

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One Response to “Unemployed”

A licensed trustee said...

There is no requirement to be employed in order to file for bankruptcy. Most trustees suggest because they know people that are out of work have better things to spend their money on than legal fees – eating and the rent come to mind.

So you certainly can file while unemployed, just be prepared for whatever trustee you speak with to suggest that you wait until you find work before you do.