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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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Not discharged – how can we get it cleared up?

We filed in 2004. However, we were not discharged, and we are interested in getting it cleared up now and wondered if we can pay the creditors to get discharged or if we have to re-file the bankruptcy and go through the process

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One Response to “Not discharged – how can we get it cleared up?”

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

If you pay your creditors it will clear the debt but not result in your discharge. In order to be discharged you must contact the trustee that filed your bankruptcy and discuss with them what options you have to get the discharge.