Questions for Personal Bankruptcy in Alberta (Canada) only.
This service is not intended for indivduals who are already in bankruptcy or who have filed a proposal. Note that if you are in bankruptcy you should contact your Licensed Insolvency Trustee. If you cannot resolve matters with your trustee, you might want to contact the Office of the Superintendent of Bankruptcy who are the federal regulators responsible for licencing in Canada.
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Recently posted questions and answers:
I am a victim of a mortgage fraud. I have been trying to come to a financial resolution with CMHC, although this has not been successful, and I feel that my only recourse is to file bankruptcy. Although I have met and married my husband after the forclosure of the fraudulant property, does his income need to be included when state my household income and expenses? I owned my current home along with most of the expenses prior to husband. Thank you Concetta
I filed for bankruptcy in jan 2008. Looking at my credit report there are a bunch of new accounts from my creditors created on Nov 2008. They have new account numbers, but they have the same amounts of the other accounts included in the bankruptcy. And, they are listed as "open". Is this something that normally happens? Is it correct or is this something underhanded?
I have about $100,000.00 of unsecured debt and my employer has confirmed it will be paying out the annual bonuses. In my case it amounts to $8000.00 and will be deposited into the company RRSP plan at the end of the week. Will I be able to keep the bonus if I declare bankruptcy immediately after receiving it? If not, how long should I wait to declare in order to keep it? Will this bonus drive up the cost of a consumer proposal?
Hello, My home was foreclosed late in 2012 as a result of a marital separation and the mortgage insurance company is now taking steps to collect the deficiency. I also have additional unsecured debt totaling $40K. Throughout the separation and prior to the foreclosure (4yrs) I have continued to make the minimum payments on these unsecured debts and they are current to this day. I also haven't added more debt by making purchases on my credit cards during this time. I knew that once the foreclosure went through, the mortgage insurance company would come calling and now that they are, I will have to seek some debt protection. My question is: Knowing that the mortgage insurance company would come calling once the foreclosure was complete, how will taking 3 vacations totaling $4500.00 since then effect a consumer proposal should I file one in May of this year? One of these trips is a destination wedding which was planned at least a year ago and will most likely be filing a proposal shortly after I return. Please note that these vacations were paid for using my savings and were not debt financed. Thank you for answering my question.
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