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 Super Intendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Is my spouse’s income taken into account in anyway?

If I declare personal income is my spouse’s income taken into account in anyway?

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One Response to “Is my spouse’s income taken into account in anyway?”

Desmond West-Chow, CIRP, Trustee said...

When calculating your monthly payments in a bankruptcy, a trustee is required to use a guideline provided by the Office of the Superintendent of Bankruptcy. This guideline takes into account aspects of the household situation which include number of people in your family household and income received by those people. There is an option of not disclosing a spouse’s income but it would be best to speak to a local trustee and review how your situation fits into the guideline with them and discuss the options you may have.