Questions for Personal Bankruptcy in Alberta (Canada) only.
This service is not intended for individuals 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 need to declare bankruptcy, mostly credit card debt, but I also have a vehicle loan, that I believe some of my creditors may have a lien against. I would like to sell it in order to obtain a cheap vehicle to drive. Is there a way to have lien's lifted then able to sell? I borrowed 18339.96 and still owe 14497.88...the book value is at approx. 19000.00 I think?..Am I given any time to sell the vehicle if I declare bankruptcy?
I was in a Division 1 Consumer Proposal. My trustee missed cashing a cheque for one month and doubled it up the next month. Consequently, this was one of the factors resulting in an annulment of my consumer proposal. He had post-dated cheques but were not deposited on time. Why am I at fault?
If I hire my old trustee to reopen my file. Will it cost me additional money to file the affidavit? I understand I will have to pay more still so will they give me a time frame for that. I struggle trying to get the money just to reopen my file after all these years but really want to complete this for my growing family. As for assist. I have a old car. It's not worth much. We rent we don't own. I'm scared but I know I have to so this. Would I be better off asking for more information on the pro bono lawyers in Calgary? I just wanna rebuild my life so bad. I am sure you get asked this stuff all the time and I really do appreciate the answers. As the only person who can fix this is me as I am the one who never finished in the first place.
I have a few questions I am hoping you can help me with. I filed for bankruptcy a few years ago and due to a tragic incident in my life I never finished. I am finally getting life on track and want to go in and complete it as I have had kids and want a better life for me and them. I called my trustee. They told me to save up money and come in. I am trying really hard to do so but it's taking me way longer than what I wanted. Other than that can you please tell me what happens after that? They are not giving me any information until they have the down payment. I know I will have to go to court but that's all I know. I am hoping to have the down payment within the next few months but any information I appreciate as I would like to be prepared best as possible. The bankruptcy is from 10 years ago. If they ask me to pay more will I have a time frame to do so or will I start having to do budget sheets again? If I recall I missed 2 budget sheets and was dismissed due to lack of payment. I really appreciate any answers you can give me!
My husband and I have not filed our taxes for four years. We are both self-employed (independent of each other) and are considering bankruptcy to deal with tax debt it it is too large of a sum to manage. I started my business 3 years ago, so really have no idea how it's going to look tax-wise. We also have children, so once our taxes are done (recently submitted to our accountant) I expect to receive a lump sum from Child Tax Credit for back payments. I have read that monthly CTC payments are not affected by bankruptcy as they are not considered income. However, what about the lump sum? Will I be expected to pay back taxes with that money? What will happen if I receive that money and then decide to declare bankruptcy?
If I declare bankruptcy and my vehical is worth 3000 blue book value(it's actually worth less due to mechanical issues) can they also go after my girlfriends car even tho my bankruptcy is not any of her debts?
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