Category

Consumer Proposal Information
Spouse wants to declare bankruptcy It’s not unusual for someone to get nervous when their spouse is contemplating a bankruptcy. They worry their credit history, banking relationships, even their employment maybe compromised in some way. Recently I received an email from Jocelyn, who asked these questions: “If my common-law husband were to declare bankruptcy, what...
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Include parking tickets in a consumer proposal Today’s question is from a young lady in Toronto who has managed to accumulate four thousand dollars worth of parking tickets, penalties, and interest charges over the past few years. She also has too many debts and we are about to enter her into a consumer proposal. She...
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Effect of consumer proposal on spouse Hi Ross, my wife and I have a joint MasterCard with a $25,000 limit, and we are maxed out. I have several other significant debts and I plan to enter into a consumer proposal. My wife is petrified her credit history will be adversely affected by this. In fact,...
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Second time bankruptcy Hi Ross, looks like I have to do a personal bankruptcy. I owe $59,000 across several credit cards and my minimum monthly payment is over $1,700! Back in 1997 I declared bankruptcy (for only $10,000 in debts), and it went pretty smoothly. Now I am making around $70,000 per year, and I...
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Cannot afford car payments Hi Ross, I recently financed a new car and a few months after that I lost my second job.  Now its seems like I’m going backwards with all my other bills, and it is hard to keep up.  As much as I would love to keep the car it’s not worth...
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Filing a second consumer proposal Dear Ross, I know that if you are a second time bankrupt, you are automatically looking at two or three years before you receive a discharge. Are there any special rules applied if I file a second consumer proposal? I completed my first three years ago, but I have run...
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