/blog/MNP Insolvency Blog Post RSS FeedCopyright 2012MNP All rights reserved.The Ontario Ministry of Consumer Services has recently issued an alert warning consumers to exercise caution when considering a contract for services being marketed as “debt settlement”, “debt management”, “debt reduction” or “debt consolidation”.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/5/10/consumer-alert-re-debt-settlement-in-ontarioThu, 10 May 2012 00:00:00 GMTIn January of this year, the Financial Consumer Agency of Canada, a Government of Canada agency, issued a consumer alert entitled Debt Reduction Companies: Beware of “Too Good to Be True” Offers.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/4/19/how-do-debt-settlement-plans-differ-from-consumer-proposalsThu, 19 Apr 2012 00:00:00 GMTLearn what to do when you can't afford the payments in your proposal.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/30/when-you-cant-afford-the-payments-in-your-proposalFri, 30 Mar 2012 00:00:00 GMTAs Canadians, we have a number of choices available to us in determining the best solution for managing our debts. Obviously, everyone’s circumstances will be a bit different, it's best to ask a few questions first to better understand your needs.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/28/knowing-when-to-file-a-consumer-proposal-or-opt-for-a-debt-management-planWed, 28 Mar 2012 00:00:00 GMTOrderly Payment of Debts is a debt repayment arrangement in the provinces of Alberta, Saskatchewan, Prince Edward Island and Nova Scotia.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/26/what-is-orderly-payment-of-debtsMon, 26 Mar 2012 00:00:00 GMTIn Canada, creditors assign credit ratings on a scale of 1 to 9, with 1 meaning your payments are being made on time and 9 meaning your debts are in collection or considered uncollectible.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/23/a-consumer-proposal-and-your-credit-ratingFri, 23 Mar 2012 00:00:00 GMTWhat is a Consumer Proposal and can it solve my debt problem?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/21/what-is-a-consumer-proposal-and-can-it-solve-my-debt-problemWed, 21 Mar 2012 00:00:00 GMTWe'll review the various bankruptcy alternatives that are available in helping you manage your debt. These include a loan consolidation, an informal proposal or a formal consumer proposal.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/20/personal-bankruptcy-alternativesTue, 20 Mar 2012 00:00:00 GMTWe'll review who needs to be informed about your bankruptcy filing. The notification process can vary depending on how many assets you have when you file.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/19/who-needs-to-know-about-your-bankruptcyMon, 19 Mar 2012 00:00:00 GMTLearn how a secured credit card can help rebuild your credit rating after being discharged from a bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/16/credit-repair-and-credit-cards-after-bankruptcyFri, 16 Mar 2012 00:00:00 GMTMeeting with a Trustee about Financial Problemshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/15/meeting-with-a-trustee-about-financial-problemsThu, 15 Mar 2012 00:00:00 GMTWhich tax refunds you keep or lose in a bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/11/who-gets-the-tax-refund-in-a-bankruptcySun, 11 Mar 2012 00:00:00 GMTYour credit rating is an analysis of your financial health at a specific point in time. We'll review what happens to your credit during a bankruptcy, as well as what happens after you've been discharged from a bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/8/what-will-happen-to-my-credit-rating-if-i-file-for-bankruptcyThu, 08 Mar 2012 00:00:00 GMTOn January 10, 2012, the FCAC issued a consumer alert warning of the pitfalls in dealing with debt reduction companies. Among the things to watch out for are misleading information about getting protection from creditors and protecting your credit rating, claims about having governmental involvement or approval and other false statements.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/3/1/debt-solutions-debt-management-agencies-in-manitobaThu, 01 Mar 2012 00:00:00 GMTI completed a consumer proposal in March 2010. I took it out in March of 2008. No problems - it really helped me out. Just wanted to know when it will be removed from my credit file.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/27/consumer-proposal-on-credit-bureauMon, 27 Feb 2012 00:00:00 GMTI'm often asked about surplus income and how it's calculated. We'll review surplus income and voluntary payments in a bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/24/understanding-surplus-income-and-how-surplus-income-is-calculatedFri, 24 Feb 2012 00:00:00 GMTThe Financial Consumer Agency of Canada released an article warning the public against some practices within the field of debt reduction. After reading the article, I thought it important to expand on the topic; specifically on how it relates to the field of insolvency, since the two areas are tied together.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/22/debt-solutions-watch-out-for-these-debt-reduction-adsWed, 22 Feb 2012 00:00:00 GMTIt is expected that the Enforcement of Money Judgements Act will be brought into law some time this spring. It will have a major impact on which assets are exempt in Saskatchewan.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/21/saskatchewan-changes-in-exemptions-comingTue, 21 Feb 2012 00:00:00 GMTExplaining fees and how they're collected when filing for Bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/15/cost-of-bankruptcy-how-much-does-filing-for-bankruptcy-costWed, 15 Feb 2012 00:00:00 GMTA bankruptcy will eliminate most debt. However there are certain debts that survive the discharge of a bankruptcy. Here's what you need to know.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/2/7/can-filing-for-bankruptcy-eliminate-100-of-your-debtTue, 07 Feb 2012 00:00:00 GMTA common question I'm asked is 'Will filing for bankruptcy affect my employment and salary?' I'll explain the impact filing for bankruptcy has on your job and your paycheque.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/20/how-filing-for-bankruptcy-affects-your-employment-and-salaryFri, 20 Jan 2012 00:00:00 GMTA bankruptcy will have only a small impact on other family members, but it's important to know what that looks like.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/18/understanding-how-filing-for-bankruptcy-can-affect-your-spousepartner-and-familyWed, 18 Jan 2012 00:00:00 GMTIn today’s troubling financial times, one must be cautious with whom they choose to deal with in managing their debt.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/16/promises-of-huge-debt-reduction-bewareMon, 16 Jan 2012 00:00:00 GMTThis is the year you are going to make financial health a priority. You are going to gain control of your finances, dig yourself out of debt, and eliminate stress from your life. And every day, you resolve that you will start that process…tomorrow.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/13/start-the-new-year-right-and-gain-control-of-your-financesFri, 13 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exemptions in B.C.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-british-columbiaWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exemptions in Alberta.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-albertaWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exempt assets for farmers in Saskatchewan.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-for-farmers-filing-for-bankruptcy-in-saskatchewanWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exemptions in Manitoba.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-manitobaWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, we'll review the exemptions for non-farmers in Saskatchewan.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-saskatchewanWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exemptions in Ontario.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-ontarioWed, 04 Jan 2012 00:00:00 GMTThe property exempt from seizure is set by the provinces and territories and applies to the equity in the asset, here we'll review the exemptions in Quebec.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/4/exempt-assets-when-filing-for-bankruptcy-in-quebecWed, 04 Jan 2012 00:00:00 GMTHere are the top 10 warning signs that small business owners need to be aware of in order to avoid financial difficulty in the future.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2012/1/3/top-10-warning-signs-your-small-business-may-be-in-financial-difficultyTue, 03 Jan 2012 00:00:00 GMTWhen getting into business you want to ensure your personal assets are not put at risk in the event the business fails.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/12/21/protecting-your-assets-when-entering-into-a-businessWed, 21 Dec 2011 00:00:00 GMTIt's important to understand what to do with your credit cards when filing for bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/12/16/disclosing-credit-cards-when-filing-for-bankruptcyFri, 16 Dec 2011 00:00:00 GMTIn the event of a bankruptcy, some assets are liquidated and funds are distributed amongst creditors. In Alberta, RRSPs are rarely one of these assets.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/12/14/determining-whether-or-not-rrsps-are-liquidated-assets-when-filing-for-bankruptcy-in-albertaWed, 14 Dec 2011 00:00:00 GMTDetermining how many years it takes until your name is cleared from the credit bureau.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/12/8/how-long-does-a-bankruptcy-last-on-your-credit-historyThu, 08 Dec 2011 00:00:00 GMTUnsure of the bankruptcy process? We'll outline the steps required that will help you understand whether or not bankruptcy is the right solution to resolving your debt.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/12/6/what-are-the-steps-in-filing-bankruptcyTue, 06 Dec 2011 00:00:00 GMTFor most people meeting monthly expenses while covering the costs of the holiday season makes this a difficult time of year. We become caught up in the moment and before we know it, the credit cards come out and we are spending, spending and spending.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/23/tis-the-season-to-overspendor-is-itWed, 23 Nov 2011 00:00:00 GMTContinuing with part 5 of our 5-part series on Bankruptcy 101, we now explore life after bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/21/bankruptcy-101-step-5-fresh-startMon, 21 Nov 2011 00:00:00 GMTWhere an individual has been bankrupt in the previous decade, and currently is under a significant debt load again, can he file for a second bankruptcy? If so, will monies owed to Canada Revenue Agency be written off or does income tax debt survive a 2nd bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/21/questions-on-income-tax-debt-and-filing-for-bankruptcy-a-second-timeMon, 21 Nov 2011 00:00:00 GMTContinuing with part 4 of our 5-part series on Bankruptcy 101, we now explore the transition of being discharged from bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/15/bankruptcy-101-step-4-discharged-from-bankruptcyTue, 15 Nov 2011 00:00:00 GMTContinuing with part 3 of our 5-part series on Bankruptcy 101, we now explore the duties and obligations of the individual in bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/8/bankruptcy-101-step-3-being-in-bankruptcyTue, 08 Nov 2011 00:00:00 GMTjust wondering if someone files bankruptcy - then receives a letter in the mail months later - from the company they have used to file with - showing an addendum to the original -extending due to excess income - without the signature or knowledge of the person who filed.. is this legal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/4/what-happens-when-income-increases-during-the-course-of-a-bankruptcyFri, 04 Nov 2011 00:00:00 GMTIf I file a consumer proposal how long will I have to make payments?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/11/1/if-i-file-a-consumer-proposal-how-long-will-i-have-to-make-paymentsTue, 01 Nov 2011 00:00:00 GMTContinuing with part 2 of our 5-part series on Bankruptcy 101, we now explore the process of filing for bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/10/25/bankruptcy-101-step-2-filing-for-bankruptcyTue, 25 Oct 2011 00:00:00 GMTHow long does a third time bankruptcy last in Saskatchewan?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/10/25/what-happens-in-a-third-time-bankruptcy-how-quickly-would-i-be-dischargedTue, 25 Oct 2011 00:00:00 GMTMany people in financial difficulty don’t realize that there are options other than bankruptcy. A trustee has a responsibility to go through all of these options with you. This 5-part series is meant to provide a general overview of bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/10/21/bankruptcy-101-step-1-meet-with-a-trustee-to-review-your-optionsFri, 21 Oct 2011 00:00:00 GMTLet's look at your options.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/10/18/are-creditors-calling-are-you-just-making-the-minimum-payments-on-your-credit-cardsTue, 18 Oct 2011 00:00:00 GMTA description of the information you should bring to the initial meeting with a Trustee to review your options. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/10/4/what-should-you-take-to-an-initial-consultation-with-a-trusteeTue, 04 Oct 2011 00:00:00 GMTStart living today and enjoy your golden years.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/9/30/before-you-retire-understand-the-warning-signs-of-financial-problemsFri, 30 Sep 2011 00:00:00 GMTWith over 17 years of experience, I joined a national firm to ensure that I am aware of all the new developments.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/9/21/the-difference-a-licensed-trustee-makes-in-a-bankruptcyWed, 21 Sep 2011 00:00:00 GMTWhat happens if I get married after I have filed for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/9/5/what-happens-if-i-get-married-after-i-have-filed-for-bankruptcyMon, 05 Sep 2011 00:00:00 GMTIs it possible to submit a consumer proposal if I've never missed a payment, but will soon have too? I have $46000 in debt and $3050/mo income.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/8/23/can-i-file-a-consumer-proposalTue, 23 Aug 2011 00:00:00 GMTIf someone is still in bankruptcy and is offered employment overseas, can they take this employment while still making payments to the trust?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/8/5/if-someone-is-still-in-bankruptcy-and-is-offered-employment-overseas-can-they-take-this-employment-while-still-making-payments-to-the-trustFri, 05 Aug 2011 00:00:00 GMT310 DEBT to Merge with MNP http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/8/3/310-debt-to-merge-with-mnpWed, 03 Aug 2011 00:00:00 GMTLet’s take a look at the myths and the facts about bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/7/26/demystifying-bankruptcyTue, 26 Jul 2011 00:00:00 GMTToday it is common practice to use credit for everything from buying groceries to going on vacations. And many consumers are making the minimum payment instead of paying off the full balance. As the years roll on and credit card balances remain unpaid, how will these debts impact your retirement plans?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/7/25/retirement-is-approaching-are-you-debt-freeMon, 25 Jul 2011 00:00:00 GMTWe spend our working years looking forward to the day we can retire, but how many people actually have a strategy in place to make sure those years turn out just as we imagined them? For many Canadians, retiring at 65 years old will mean a reduced monthly income and a lower standard of living than they have now.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/7/22/how-will-debt-affect-your-retirement-strategyFri, 22 Jul 2011 00:00:00 GMTWe'll discuss what happens if you operated a limited company and the landlord seized the business assets for the outstanding rent. Learn what you should do about the creditors who still have secured assets inside.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/7/12/what-happens-when-a-landlord-seizes-business-assets-for-outstanding-rentTue, 12 Jul 2011 00:00:00 GMTOSB Rejects Proposal That Credit Counsellers Be Allowed To File Consumer Proposalshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/7/8/osb-rejects-proposal-that-credit-counsellers-be-allowed-to-file-consumer-proposalsFri, 08 Jul 2011 00:00:00 GMTI delared bankruptcy in 2002 and now have a collection agency hounding me with phone calls about a small unpaid debt from 2001. They call five or six times a day requesting that I call them back and send them money. What do I do?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/6/28/i-delared-bankruptcy-in-2002-and-now-have-a-collection-agency-hounding-me-with-phone-calls-about-a-small-unpaid-debt-from-2001-they-call-five-or-six-times-a-day-requesting-that-i-call-them-back-and-send-them-money-what-do-i-doTue, 28 Jun 2011 00:00:00 GMTIs income tax debt extinguished in a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/6/24/is-income-tax-debt-extinguished-in-a-bankruptcyFri, 24 Jun 2011 00:00:00 GMTIf I were to declare bankruptcy and I have recently transferred a jointly owned/purchased camper to my spouse what effect will that have on my bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/6/22/transfer-of-assets-prior-to-bankruptcyWed, 22 Jun 2011 00:00:00 GMTDoes the Surplus Income Calculation and Monthly Income and Expense Reporting in a Bankruptcy include the income of working teenagers?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/6/9/does-the-surplus-income-calculation-and-monthly-income-and-expense-reporting-in-a-bankruptcy-include-the-income-of-working-teenagersThu, 09 Jun 2011 00:00:00 GMTI living with a second-time bankrupt who filed a year before we moved in together. Does my EI income, student loan, tax refunds, etc. affect his surplus payments?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/5/24/i-living-with-a-second-time-bankrupt-who-filed-a-year-before-we-moved-in-together-does-my-ei-income-student-loan-tax-refunds-etc-affect-his-surplus-paymentsTue, 24 May 2011 00:00:00 GMTI am living common-law with a person who is bankrupt and pays surplus income amounts each month. I am not bankrupt. Does the bankrupt also have to include EI payments I receive and/or my student loan or MPI rebate cheque as part of his income?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/5/16/i-am-living-common-law-with-a-person-who-is-bankrupt-and-pays-surplus-income-amounts-each-month-i-am-not-bankrupt-does-the-bankrupt-also-have-to-include-ei-payments-i-receive-andor-my-student-loan-or-mpi-rebate-cheque-as-part-of-his-incomeMon, 16 May 2011 00:00:00 GMTMPI Rebates and Bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/5/13/manitoba-autopac-issued-rebate-cheques-for-20092010-am-i-required-to-turn-over-to-the-trustee-and-what-about-my-common-laws-cheque-she-is-not-bankruptFri, 13 May 2011 00:00:00 GMTHigh consolidation loan against car - what happens in a bankruptcy? - "seize or sue" options that the lender hashttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/5/12/consolidation-loan-against-car-bankruptcy-seize-or-sue-law-in-bcThu, 12 May 2011 00:00:00 GMTCan I claim bankruptcy on my spouse's credit cardshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/5/2/can-i-claim-bankruptcy-on-my-spouses-credit-cardsMon, 02 May 2011 00:00:00 GMTAnd what about any other types of investments? Assets?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/4/26/can-i-acquire-an-rrsp-or-resp-during-a-bankruptcyTue, 26 Apr 2011 00:00:00 GMTHi I really need to know how much income will they allow me to keep to live on if I go bankrupt. I bring home $2300 and child support payments total $1150. I have two boys 14 and 16 and me.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/4/6/payments-to-trusteeWed, 06 Apr 2011 00:00:00 GMTHow long after a bankruptcy do I have to wait to be a director of a corporation, non-profit or otherwise?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/29/can-i-be-a-director-after-my-bankruptcy-is-finishedTue, 29 Mar 2011 00:00:00 GMTDo I Have Surplus Income in my Bankruptcy? Do I have extra payments to make?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/28/surplus-income-in-a-bankruptcyMon, 28 Mar 2011 00:00:00 GMTAnd do I lose my credit cards?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/25/can-i-get-rid-of-my-credit-card-debts-by-filing-for-bankruptcyFri, 25 Mar 2011 00:00:00 GMTWill my citizenship be affected? What about family members? What if I am sponsoring them?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/25/how-is-citizenship-affected-by-a-bankruptcyFri, 25 Mar 2011 00:00:00 GMTCan you change the Trustee you picked to work with? What is the process?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/25/can-you-change-trustees-once-you-have-filed-bankruptcyFri, 25 Mar 2011 00:00:00 GMTAre you able to apply for student loan funding while in bankruptcy? Are provincial and federal rules different? What about the Banks?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/24/student-loan-funding-while-in-bankruptcyThu, 24 Mar 2011 00:00:00 GMTHow public is a bankruptcy filing? Will it appear in the newspaper? Why do some bankruptcy filings appear in the newspaper and not others?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/21/why-do-some-bankruptcies-appear-in-the-newspaperMon, 21 Mar 2011 00:00:00 GMTWill bankruptcy get rid of my credit card debts?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/3/10/will-bankruptcy-get-rid-of-my-credit-card-debtsThu, 10 Mar 2011 00:00:00 GMTAre there certain debts that are not forgiven in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/2/28/are-there-certain-debts-that-are-not-forgiven-in-bankruptcyMon, 28 Feb 2011 00:00:00 GMTWhat happens when a bankrupt person dies? What happens to their assets?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/2/11/what-happens-when-an-individual-who-is-in-bankruptcy-diesFri, 11 Feb 2011 00:00:00 GMTHow long does it take to complete a consumer proposal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/2/8/how-long-does-it-take-to-complete-a-consumer-proposalTue, 08 Feb 2011 00:00:00 GMTWhat happens with income tax debt in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/1/28/what-happens-with-income-tax-debt-in-bankruptcyFri, 28 Jan 2011 14:11:15 GMTHello, I am one year in to my four year proposal and I was wondering if I can pay extra and if so does that shorten the term by that much. Also does a proposal and its terms show on my credit report so if I pay on time it shows that. thankshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/1/20/can-i-pay-off-my-proposal-early-do-my-payments-show-up-on-my-credit-reportThu, 20 Jan 2011 12:47:57 GMTI am looking to file for bankruptcy. What must i know before i make that decision? thankshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/1/20/what-do-i-need-to-know-before-i-file-for-bankruptcyThu, 20 Jan 2011 09:17:00 GMTHI. since i am married , can i clain personal bankruptcy and my wife posetions be left alone or will all of it be put together as one since we have seperate credit. thankshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/1/16/if-i-do-a-bankruptcy-can-my-spouses-assets-be-takenSun, 16 Jan 2011 14:00:17 GMTIf the only asset you have is your house and you declare personal bankruptcy are you put on the street.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2011/1/12/how-is-a-house-affected-by-a-bankruptcyWed, 12 Jan 2011 09:41:00 GMTA friend has sent an incorporated business books to be done but cannot pay the bookkeeper for the work she has done. My taxes are due very shortly. Can she hold my books pending payment? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/30/can-a-bookeeper-withhold-my-books-for-an-unpaid-billThu, 30 Dec 2010 07:28:14 GMTi desperately need help. call me asaphttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/29/personal-bankruptcyWed, 29 Dec 2010 06:28:39 GMTHi they have sent most of my dept to collections i will have enough money in 2 weeks to pay all my dept but seeing as my credit is gone should i try consumer proposal or something else do you have any advise dept is roughly 50,000http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/22/hi-they-have-sent-most-of-my-dept-to-collections-i-will-have-enough-money-in-2-weeks-to-pay-all-my-dept-but-seeing-as-my-credit-is-gone-should-i-try-cunsumer-proposal-or-something-else-do-you-have-any-advise-dept-is-roughly-50000Wed, 22 Dec 2010 06:29:22 GMTPosted by Sharlene: If you owe taxes to the government, are they exempt from bankruptcy? After bankruptcy, do you still owe back taxes?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/16/do-government-taxes-go-away-in-a-bankruptcy-or-proposalThu, 16 Dec 2010 13:17:16 GMTHi I wanted to know at what point bankruptcy comes completely off your credit. I was told 7 years but is that from the first point that I claimed or is that from discharge date? Thanks Travishttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/14/how-long-does-bankrupcy-remain-on-your-credit-historyTue, 14 Dec 2010 06:34:15 GMTIf i owe the government money and have assets such as a car and it is worth the amount that i owe to the government , are they able to take that from me??http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/12/i-owe-the-government-money-can-they-take-my-carSun, 12 Dec 2010 15:06:28 GMTI am over 50,000.00 in credit card debt. Would I be better off to claim bankruptcy than to try to bring down my interest rates?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/12/50000-in-debt-whats-my-best-optionSun, 12 Dec 2010 14:52:01 GMTHow can a creditor garnish my wages and does bankruptcy stop a garnishment?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/9/how-can-a-creditor-garnish-my-wages-and-does-bankruptcy-stop-a-garnishmentThu, 09 Dec 2010 13:50:24 GMTHello, Is it possible to save the house if you are going to declare bankruptcy due to the credit card debts?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/9/is-it-possible-to-save-the-house-if-you-are-going-to-declare-bankruptcy-due-to-the-credit-card-debtsThu, 09 Dec 2010 13:44:15 GMTI was wondering if money in my savings account will be taken if I declared bankruptcy and when I am in bankruptcy will I be able to save money. I do have creditors I pay, can I continue with paying them through bankrupcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/7/what-happens-to-money-in-a-savings-account-if-i-file-for-bankruptcyTue, 07 Dec 2010 15:24:56 GMTI cannot pay off the minimum monthly debts payment by current incoming, how to claim personal bankruptcy, and how much it will charge me if I file bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/5/how-much-will-a-bankruptcy-costSun, 05 Dec 2010 11:22:26 GMTIf i file would it affect my common law partner?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/12/1/how-does-bankruptcy-affect-my-common-law-how-is-my-house-affectedWed, 01 Dec 2010 11:59:36 GMTHow does a person look into this.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/22/how-does-a-person-look-into-bankruptcyMon, 22 Nov 2010 15:50:48 GMTIf a small Corporation declares bankruptcy, is it made public information? If it is, how is it made public? Is it printed in the newspaper, or can it be accessed on the internet, and where? Thank you very much.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/22/if-a-small-corporation-declares-bankruptcy-is-it-made-public-information-if-it-is-how-is-it-made-public-is-it-printed-in-the-newspaper-or-can-it-be-accessed-on-the-internet-and-where-thank-you-very-muchMon, 22 Nov 2010 07:17:21 GMTI am curious how bankruptcy works? Fees? Etc. I think I am in a situation where I need a fresh start and I may need to consider bankruptcy as an option for me. Thanks for your time, http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/17/i-am-curious-how-bankruptcy-works-fees-etc-i-think-i-am-in-a-situation-where-i-need-a-fresh-start-and-i-may-need-to-consider-bankruptcy-as-an-option-for-meWed, 17 Nov 2010 08:56:49 GMThi there i was wanting to find out some information about these areas cause i'm currently in debt where i'm having problems paying off outstanding bills that i have and was wanting to find out is there anyway i can put them all in one bill and pay a monthly payment to pay them off?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/15/options-in-dealing-with-creditorsMon, 15 Nov 2010 12:55:23 GMTwill I lose my house if I claim bankruptsy or can I keep my house?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/13/will-i-lose-my-house-if-i-claim-bankruptsy-or-can-i-keep-my-houseSat, 13 Nov 2010 04:09:41 GMTWill I lose my family allowance if I file for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/8/will-i-lose-my-family-allowance-if-i-file-for-bankruptcyMon, 08 Nov 2010 08:47:00 GMTI was required to pay 1440.00 for my bankruptcy. My tax return was more than that and GST was seized as well. Do i recieve this overage once my bankruptcy has been discharged?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/1/payment-of-bankruptcy-fees-and-tax-returnsMon, 01 Nov 2010 14:05:14 GMTI had been discharged about 2002 from a previous bankruptcy. How will that affect me if i file again? Are there any changes. And how long for discharge and on file for?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/11/1/filing-for-bankruptcy-a-2nd-timeMon, 01 Nov 2010 10:41:13 GMTDoes debt expire in Canada? Is the a statute on limitations?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/25/does-debt-expire-in-canada-is-there-a-statute-of-limitationsMon, 25 Oct 2010 07:03:22 GMTI have chose to repay all my debt to creditors yet my Trustee at another firm will not take this to court and release me from bankruptcy. What can I do. Keithhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/25/im-in-bankruptcy-but-want-to-pay-my-debts-what-can-i-doMon, 25 Oct 2010 06:42:00 GMTI currently dont have any income and no asset. How can I apply for personal bankruptcy? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/19/no-assets-no-income-how-do-i-do-a-bankruptcyTue, 19 Oct 2010 21:47:01 GMThi i was wondering if i could get some info on some things i owe almost 8,000 in debt and at my witz end just wondering if bankruptcy was a good soultion ive tried talking to the banks and thats going now werehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/19/help-i-owe-8000-is-bankruptcy-a-good-ideaTue, 19 Oct 2010 21:36:24 GMTI want to know if I can keep my house, if i apply for bankruptcy I want to get out of this debt problem but I can't find a parttime job. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/18/can-i-keep-my-house-if-i-file-for-bankruptcyMon, 18 Oct 2010 15:05:00 GMT If you own a condo and car will they be taken away if you declare bankruptcy? What if there is garnishing on your wages, can this be stopped as well? Do I need an appointment to talk with someone there and what hours is there someone available?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/5/if-you-own-a-condo-and-car-will-they-be-taken-away-if-you-declare-bankruptcy-what-if-there-is-garnishing-on-your-wages-can-this-be-stopped-as-well-do-i-need-an-appointment-to-talk-with-someone-there-and-what-hours-is-there-someone-availableTue, 05 Oct 2010 15:08:00 GMTIf you file bankruptcy and your mother, who has gone bankrupt in the past, passes away and you inherit life insurance of 25000 between you and your sibling do you have to hand your share over to the bankruptcy. Will they attempt to take it all.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/1/life-insurance-and-after-acquired-propertyFri, 01 Oct 2010 14:03:12 GMTwhat happens to your credit report after bankruptcy. Does all prior information (score, payments, etc.) get removed, or does it remain on there, as well as the fact that you went bankrupt. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/10/1/credit-reports-after-bankruptcyFri, 01 Oct 2010 13:58:33 GMTHow do I find out if someone who owes me money has filed bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/25/how-do-i-find-out-if-someone-who-owes-me-money-has-filed-bankruptcySat, 25 Sep 2010 19:19:53 GMTIf I declare a personal bankruptcy, can I remain as a director or a shareholder of a corporation before being discharged?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/25/being-a-director-or-shareholder-of-a-company-during-bankruptcySat, 25 Sep 2010 16:13:33 GMTI find myself in great financial troubles, and I am worried about losing my home.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/22/i-am-in-financial-trouble-and-am-worried-about-losing-my-homeWed, 22 Sep 2010 07:02:12 GMTI think I need to claim personal bankruptcy but don"t know how to go about it.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/22/how-do-i-go-about-claiming-personal-bankruptcyWed, 22 Sep 2010 06:50:24 GMTI have received a notice of a Consumer proposal which is missing some debt and making false status claims. How do I go about refuting this proposal. I am having difficulty getting advice or representation in this area.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/20/how-do-i-challenge-information-in-a-consumer-proposalMon, 20 Sep 2010 19:24:10 GMTI think i'm in a lot of trouble financially and am worried about losing my home.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/16/i-think-im-in-financial-trouble-and-am-worried-about-losing-my-homeThu, 16 Sep 2010 14:58:36 GMTas a family we have 2 cars with loans and a mortgage. if we go bankrupt can we keep the cars and house but claim the credit cards and line of credit.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/15/keeping-cars-and-a-house-in-a-bankruptcyWed, 15 Sep 2010 13:18:37 GMTI was just wondering what the cost was to the person filing bankruptcy. I have heard that you loose your gst return, your tax return. I know that you are allowed to take home a certain household amount and anything over that goes to your creditors. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/14/how-much-does-it-cost-to-do-a-bankruptcyTue, 14 Sep 2010 07:26:33 GMTIf I declare bankruptcy, what can they take of my husbands. My name is not on the home, the only thing we own jointly is a piece of property in another province at a value of $8000.00 I am going bankrupt, but need this question answered before scheduling an appointment. Thank you,http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/9/how-does-my-bankruptcy-affect-my-spouseThu, 09 Sep 2010 06:56:22 GMTHow is the garage sale value of the furniture figured out? I mean, how is it decided what my couch and tv are worth? Do I just give an estimated figure or does someone come out to my apartment and take a look around at what I have?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/8/how-is-the-garage-sale-value-of-the-furniture-figured-out-i-mean-how-is-it-decided-what-my-couch-and-tv-are-worth-do-i-just-give-an-estimated-figure-or-does-someone-come-out-to-my-apartment-and-take-a-look-around-at-what-i-haveWed, 08 Sep 2010 09:11:18 GMTIf I file bankruptcy, for example in September, and I want to move to the US, is that allowed before my bankruptcy is discharged?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/7/if-i-file-bankruptcy-for-example-in-september-and-i-want-to-move-to-the-us-is-that-allowed-before-my-bankruptcy-is-dischargedTue, 07 Sep 2010 07:19:41 GMTcan I file for personal Bankruptcy twice? Because about 16 yrs ago i file for personal bankruptcy and due to the recession and loss of hours at work I am finding paying my bills really difficult. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/3/can-i-file-for-personal-bankruptcy-twiceFri, 03 Sep 2010 07:40:45 GMTWill my employer find out if I file for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/9/2/will-my-employer-find-out-if-i-file-for-bankruptcyThu, 02 Sep 2010 14:37:13 GMTI live in a remoted northern community. How can I go about finding a trustee?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/31/finding-a-trustee-in-remote-communitiesTue, 31 Aug 2010 06:03:10 GMTI have a mortgage that I find I can't afford, plus credit card debts. The mortgage is for a property that has lost value since the purchase, so selling isn't an easy opinion. I was wondering if I could schedule an appointment to come talk to someone. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/27/mortgage-and-credit-card-debt-need-an-appoinmentFri, 27 Aug 2010 17:07:25 GMTI have a vehicle, year 2000 value is about $8500.00, with no debt on it. What would happen to this given the vehicle exception is $5000.00? Thank you,http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/23/vehicle-worth-more-than-exempt-amount-can-i-keep-itMon, 23 Aug 2010 21:59:44 GMTI have a vehicle, year 2000 value is about $8500.00, with no debt on it. What would happen to this given the vehicle exemption is $5000.00?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/23/i-have-a-vehicle-year-2000-value-is-about-850000-with-no-debt-on-it-what-would-happen-to-this-given-the-vehicle-exemption-is-500000Mon, 23 Aug 2010 13:54:42 GMTWhat happens with bankruptcy when I filed May 6 and will be over in 6 months, my husband passed and had life insurance what will happen to it will I get it??http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/23/what-happens-to-life-insurance-i-received-from-my-husbands-estate-while-im-still-in-bankruptcyMon, 23 Aug 2010 13:45:05 GMTHow to file a bankruptcy. I want to know how much it costs and how can I deal with student loan. I had a house mortage and due to recession I have to give it away to bank so what are my options.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/16/how-do-i-file-for-bankruptcy-what-are-the-costs-how-are-student-loans-and-a-mortgage-affectedMon, 16 Aug 2010 10:49:44 GMTi have alot of questions i have never declared bankruptcy before i would appreciate some advice thank you Shelleyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/13/i-have-never-declared-bankruptcy-and-would-appreciate-some-adviceFri, 13 Aug 2010 14:16:15 GMTMy husband is refusing to give me his pay stubs as he just got a job after I filed bankruptcy. What would happen if the trustee that I am with found out about this? And as he is not part of the bankruptcy, do they have access to this information? Thank you.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/12/personal-bankruptcy-lawsThu, 12 Aug 2010 12:46:06 GMTConsidering bankruptcy with $70,000 unsecured debt. Query: I have a 2004 Toyota Prius (109K km) that I depend on for my work. Will this be liquidated in proceedings?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/11/will-i-lose-my-car-in-a-bankruptcyWed, 11 Aug 2010 21:15:24 GMTWhat do I put in a letter for a formal proposal to creditors?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/11/how-much-do-i-have-to-offer-creditors-in-a-proposalWed, 11 Aug 2010 21:02:24 GMTHow are secured creditors (mortgages, car loans etc.) affected in a bankruptcy or proposal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/10/secured-creditorsTue, 10 Aug 2010 11:41:25 GMTplease can you tell me during bankruptcy do we need to start paying our school debts if we are still in school or we are taking courses in parttime during bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/9/student-loansMon, 09 Aug 2010 19:57:12 GMTHow are secured creditors (mortgages, car loans etc.) affected in a bankruptcy or proposal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/6/secured-creditors-in-a-bankruptcy-or-proposalFri, 06 Aug 2010 08:29:19 GMTCan a bankrupt obtain credit while in bankruptcy? What types of credit are available?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/2/can-i-get-credit-while-im-in-bankruptcyMon, 02 Aug 2010 19:40:57 GMTI am looking to declare bankruptcy and am wondering what the fees are? I am currently on E.I. and not able to pay. I am looking for a trustee who might take my casehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/8/2/what-are-the-fees-for-a-bankruptcyMon, 02 Aug 2010 19:33:21 GMTCan a bankrupt obtain credit while in bankruptcy? What types of credit are available?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/27/obtaining-credit-while-bankruptTue, 27 Jul 2010 13:42:52 GMTWhat happens if you can no longer pay any debts? With both people on pensions can the creditors go after your pensions and can they put a lien on your house even though you don't own it, but you have good standing with your mortgage. What happens if you just quit paying?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/21/what-happens-if-you-can-no-longer-pay-any-debtsWed, 21 Jul 2010 07:16:50 GMTWe've been out of bankrupcy now since April 29th 2010. I was told we would get back our GST checks that they kept during. When approx will it take to get the money backafter thier discharge?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/20/return-of-gst-after-bankruptcyTue, 20 Jul 2010 07:42:31 GMTCan u help me? I'm steering into bankruptcy and I need your assistance.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/12/can-we-help-you-with-bankruptcyMon, 12 Jul 2010 07:31:13 GMTWhat happens if you win an ICBC settlement after a proposal is started?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/8/what-happens-if-you-win-an-icbc-settlement-after-a-proposal-is-startedThu, 08 Jul 2010 14:03:03 GMTHow do I figure out what, if any, amount of "Surplus Income" I have to pay in a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/7/what-is-surplus-income-how-is-it-calculatedWed, 07 Jul 2010 08:34:04 GMTHow long does a bankruptcy last?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/6/how-long-does-a-bankruptcy-lastTue, 06 Jul 2010 11:27:13 GMTWhat are some of the differences between a bankrupcy and a proposal. Why would I pick one or the other?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/5/why-would-i-chose-a-bankruptcy-or-a-proposalMon, 05 Jul 2010 14:36:40 GMTHow long does a bankruptcy last?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/7/2/how-long-does-a-bankruptcy-lastFri, 02 Jul 2010 10:28:58 GMTCan I still operate my business if I am bankrupt?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/27/can-i-still-operate-my-business-if-i-am-bankruptSun, 27 Jun 2010 13:51:15 GMTI understand that I have to pay "surplus income" during my bankruptcy, which is set by the Trustee. What if I disagree with the surplus income amount and what if I can't pay it?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/23/i-understand-that-i-have-to-pay-surplus-income-during-my-bankruptcy-which-is-set-by-the-trustee-what-if-i-disagree-with-the-surplus-income-amount-and-what-if-i-cant-pay-itWed, 23 Jun 2010 23:44:07 GMTCan I get a student loan while I am in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/23/can-i-get-a-student-loan-while-i-am-in-bankruptcyWed, 23 Jun 2010 22:19:55 GMTHow public is personal bankruptcy? Is it published in the newspaper? Will my employer be notified?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/23/how-public-is-personal-bankruptcy-is-it-published-in-the-newspaper-will-my-employer-be-notifiedWed, 23 Jun 2010 22:02:08 GMTWhat happens to tax refunds for the year in which a person files bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/21/tax-refunds-relating-to-the-year-a-person-files-bankruptcyMon, 21 Jun 2010 12:11:20 GMTI have a vehicle that is behind in payments and is my only means of getting to and from work. It is valued now at 7900. will i have to give it back to the bank? I owe close to 19000 on ithttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/21/what-to-do-with-my-vehicle-in-a-bankruptcyMon, 21 Jun 2010 12:08:42 GMTHow much does it cost to meet with a Trustee to discuss my financial troubles?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/10/how-much-does-it-cost-for-an-assessmentThu, 10 Jun 2010 23:42:05 GMTWhat happens to income tax debt in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/6/10/income-tax-debt-and-bankruptcyThu, 10 Jun 2010 23:28:45 GMTWill I lose my family allowance in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/5/31/bankruptcy-and-child-tax-benefitsMon, 31 May 2010 12:00:40 GMTi recieve an annuity from my pension if i claim bankrupcy will i lose anypart of my pensionhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/5/20/monthly-annuity-will-i-lose-it-in-a-bankruptcyThu, 20 May 2010 20:16:58 GMTIf an individual has assets in more than one province, how do you determine which assets they get to keep?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/5/18/assets-in-different-provinces-what-assets-do-i-keepTue, 18 May 2010 12:38:03 GMTI completed my studies 10 years ago and my student loans are in collection with a collection firm. I took another course 3 years ago that didn't result in any other student loans, can I still declare bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/5/7/bankruptcy-and-student-loansFri, 07 May 2010 07:23:29 GMTso if i own two vehicles before i claim for bankruptcy and one cost under 3000 to buy and the other one deos not work(broke down) i will still keep both or no just one of them?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/5/4/car-exemption-and-bankruptcyTue, 04 May 2010 08:53:24 GMTIf I file for bankrtupcy, can I keep some of my credit cards?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/27/ability-to-keep-credit-cards-after-bankruptcyTue, 27 Apr 2010 11:42:48 GMTI would like to buy a car for $5000.00 dollars. Will it be taken from due to bankrupcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/26/buying-a-car-during-a-bankruptcy-or-before-a-bankruptcyMon, 26 Apr 2010 20:34:21 GMTMy cousin claimed bankruptcy a couple years ago and of course is having trouble getting credit. He is back on his feet now and making good money, can he some how pay off his bankruptcy and have his credit cleared of it?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/20/my-cousin-claimed-bankruptcy-a-couple-years-ago-and-of-course-is-having-trouble-getting-credit-he-is-back-on-his-feet-now-and-making-good-money-can-he-some-how-pay-off-his-bankruptcy-and-have-his-credit-cleared-of-itTue, 20 Apr 2010 13:15:28 GMTMy ex husband filed for bankruptcy and now they are coming after me for a loan i paid him for what can i dohttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/15/bankrupty-of-ex-spouseThu, 15 Apr 2010 10:34:03 GMTHow common is it for credit card companies or loan companies, such as Wells Fargo, to request a garnishment for debts less than $10,000 in Manitoba? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/14/how-common-is-it-for-credit-card-companies-or-loan-companies-such-as-wells-fargo-to-request-a-garnishment-for-debts-less-than-10000-in-manitobaWed, 14 Apr 2010 14:53:35 GMTI have approximately 4 small debts, with credit card companies and a $7,500 unsecured loan in Manitoba, would it be advisable to file for bankruptcy before these creditors file for garnishment? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/14/i-have-approximately-4-small-debts-with-credit-card-companies-and-a-7500-unsecured-loan-in-manitoba-would-it-be-advisable-to-file-for-bankruptcy-before-these-creditors-file-for-garnishmentWed, 14 Apr 2010 14:44:29 GMTIf you go bankrupt and you are getting the daycare money (100 a month per kid) and child tax credit do you lose them for a year after?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/14/if-you-go-bankrupt-and-you-are-getting-the-daycare-money-100-a-month-per-kid-and-child-tax-credit-do-you-lose-them-for-a-year-afterWed, 14 Apr 2010 11:29:31 GMTWhat is the process required for a credit card or loan company to garnish my wages in Manitoba. And, if they do garnish wages what is the limit in Manitoba?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/13/what-is-the-process-required-for-a-credit-card-or-loan-company-to-garnish-my-wages-in-manitoba-and-if-they-do-garnish-wages-what-is-the-limit-in-manitobaTue, 13 Apr 2010 20:29:41 GMTIf a person goes bankrupt do they have first option to buy back there house?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/13/if-a-person-goes-bankrupt-do-they-have-first-option-to-buy-back-there-houseTue, 13 Apr 2010 19:44:19 GMTWe are locked into a 5 year mortgage, with 3 years remaining. Want to sell house to Real Estate Investors called HouseExperts.ca in Calgary. Do you think this is legit???http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/10/referral-to-real-estate-investorSat, 10 Apr 2010 21:13:24 GMT Hello There, I claimed Bankruptcy in 2005. How long does this stay on my Credit Report. Thanks, Kellyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/4/6/how-long-does-bankruptcy-stay-on-a-credit-reportTue, 06 Apr 2010 15:22:46 GMTHi there I was wonering if my spouse files for personal bankruptcy and I do not and we filed jointly for income taxes would I be responsible for his income tax debt?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/29/if-my-spouse-files-for-personal-bankruptcy-and-i-do-not-and-we-filed-jointly-for-income-taxes-would-i-be-responsible-for-his-income-tax-debtMon, 29 Mar 2010 12:37:38 GMTYou are facing financial problems - is a Consumer Proposal for you?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/28/you-are-facing-financial-problems-is-a-consumer-proposal-for-youSun, 28 Mar 2010 19:50:41 GMTA person is close to bankruptcy and in poor health. How does their death before declaring bankruptcy affect their estate? Can their estate declare bankruptcy? How does their death after declaring bankruptcy affect their estate?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/28/what-happens-to-a-person-if-they-die-during-bankruptcy-can-the-estate-of-a-deceased-person-be-placed-in-bankruptcySun, 28 Mar 2010 11:12:53 GMTCan my husband claim bankruptcy if he is in the hospital due to his mental illness? He has lost his job, and has been in and out of the psychiatric ward in the past five months. I cannot afford to take on his debt. He is in the hospital now and has no job. What can I do?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/28/spousal-debt-mental-illnessSun, 28 Mar 2010 11:06:44 GMTI will lose my job and I plan to go back to my hometown (Philippines), but I do not want to leave my obligations, my loans unpaid. Can I file for bankruptcy to settle everything and leave Canada for a couple of years?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/25/can-i-file-for-bankruptcy-and-leave-canadaThu, 25 Mar 2010 15:34:57 GMTWhat happens to my car loan in a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/21/what-happens-to-my-car-loan-in-a-bankruptcySun, 21 Mar 2010 10:19:55 GMTHow long does it take to file for bankruptcy and do i have to pay money for the person that helps me?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/19/how-long-to-file-for-bankruptcy-and-what-are-the-paymentsFri, 19 Mar 2010 15:44:20 GMTIf I file for bankruptcy would I have to give up my home?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/19/do-i-lose-my-home-when-i-file-for-bankruptcyFri, 19 Mar 2010 15:14:40 GMTHow do I file (for) bankruptcy? What is the process that I will go through?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/19/how-do-i-file-for-bankruptcy-what-is-the-process-that-i-will-go-throughFri, 19 Mar 2010 14:19:30 GMTI owe a debt to Revenue Canada for personal income taxes. Is this included in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/19/personal-income-tax-debt-and-bankruptcyFri, 19 Mar 2010 13:04:22 GMTI haven't filed taxes in ten years. Don't even have all the paper work. Owe about $50000 to the government and about $6000 in other debts. Just need to know where to start. Child support is 1305 and currently on unemployement http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/15/what-do-i-do-when-i-havent-filed-taxes-in-yearsMon, 15 Mar 2010 15:20:24 GMTThe question i have to ask is can i go bankrupt and keep my car. i have a truck and car...i want to get rid of the truck and all my other credit debt. thankshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/15/keeping-vehicles-when-i-file-for-bankruptcyMon, 15 Mar 2010 15:10:07 GMTmy wife and i separated last aug. we both have large credit card bills. should i file for bankruptcy before or after our divorce. she tells me she is going to file for bankruptcy as wellhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/15/bankruptcy-and-divorceMon, 15 Mar 2010 15:04:21 GMTI was wondering about a couple things regarding a couple different options I have as to either declaring bankruptcy or not having to if there is another option. I would like to come and talk to someone if that could be arrange. Thanks for your time http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/15/options-other-than-filing-for-bankruptcyMon, 15 Mar 2010 14:53:01 GMTHow often can you file bankruptcy? is there any limit on how many times you can file for bankruptcy in Canada?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/11/how-often-can-you-file-bankruptcyThu, 11 Mar 2010 07:36:26 GMTHow do I file (for) bankruptcy? What is the process that I will go through?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/10/how-do-i-file-bankruptcyWed, 10 Mar 2010 08:45:24 GMTWe have a large debt and are running out of options. If we declare bankrupty, will we lose our mortgage. If we do a proposal ourselves is it bindinghttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/3/1/effect-of-bankruptcy-and-proposal-on-our-mortgageMon, 01 Mar 2010 06:29:20 GMTI have a small RRSP, will I lose that in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/24/rrsps-and-bankruptcyWed, 24 Feb 2010 07:00:06 GMTThere is money in trust to my children in the bank, will i that be taken?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/23/funds-held-in-trustTue, 23 Feb 2010 13:36:35 GMTIF I owe a friend or family member can I pay him/her back with any available funds before I file for bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/18/paying-a-family-member-before-bankruptcyThu, 18 Feb 2010 21:08:23 GMTIf you have one credit card with no balance will it be shut down too?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/18/credit-cards-with-zero-balancesThu, 18 Feb 2010 06:34:19 GMTI have alot of debt, that I am unable to pay, what happens if I don't declare bankruptcy? I have no money to file for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/18/what-happens-if-i-dont-file-bankruptcy-but-have-a-lot-of-debtThu, 18 Feb 2010 06:25:06 GMTI understand that my student loans cannot be discharged in bankruptcy or a proposal. What happens to my student loans during the process?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/14/student-loans-obtained-during-a-bankruptcy-or-proposalSun, 14 Feb 2010 20:53:40 GMTI purchased furniture on my credit card. If I go bankrupt, can my creditor repossess my furniture?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/14/can-furniture-bought-on-a-credit-card-be-repossessedSun, 14 Feb 2010 20:44:34 GMTWhat are my rights with regards to collectors? I have heard that there are some regulations regarding what collectors can and can't do and I'm wondering where I would find out about that?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/12/what-are-my-rights-with-debt-collectorsFri, 12 Feb 2010 15:16:05 GMTFrom Joy B.: How long does my bankruptcy stay on my credit report?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/9/how-long-does-my-bankruptcy-stay-on-my-credit-reportTue, 09 Feb 2010 12:41:21 GMTHello, I am wondering if I could declare bankruptcy to pay off my debt to ICBC, and what bankruptcy is all about. If you could please contact me with the information I seek that would be appericated. Sorry I wasn't quite sure which one to check off. Thank youhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/9/icbc-debts-in-a-bankruptcyTue, 09 Feb 2010 12:36:16 GMTIf I decide to declare bankruptcy for my own personal dept, are my allowable asset values the same even if I am married with children? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/2/5/what-assets-do-i-keep-in-bankruptcyFri, 05 Feb 2010 13:33:52 GMTMy Husband and I are pretty sure we need to file for a consumer proposal. We have spoken with a Credit Counselling service and with our budget and debt would not be able to afford one of their programs. What is our next step? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/27/orderly-payment-of-debt-wont-work-how-do-i-file-a-proposalWed, 27 Jan 2010 13:16:21 GMTIs there any limit on where a person can file bankruptcy in Canada?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/22/can-i-file-a-bankruptcy-anywhere-in-canadaFri, 22 Jan 2010 17:15:33 GMTIs there any limit on where a person can file bankruptcy in Canada?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/22/where-can-i-file-bankruptcy-in-canadaFri, 22 Jan 2010 12:03:14 GMTNeed information about claimimg bankruptcy!!!http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/16/need-information-about-claimimg-bankruptcySat, 16 Jan 2010 08:01:11 GMTHow can I get out of debt? Pls any advice would be appreciated. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/15/how-can-i-get-out-of-debtFri, 15 Jan 2010 15:04:42 GMThow do I file for bankruptcy? I would like all the facts about what I will encounter.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/12/how-do-i-file-for-bankruptcyTue, 12 Jan 2010 08:01:30 GMTHow do I develop a plan to repay my debt in 2010 when I overspent at Christmas?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/8/holiday-debt-budgeting-and-the-new-yearFri, 08 Jan 2010 12:53:07 GMTI received a bankruptcy package in respect to someone who owes me money. The bankrupt did not list all of his assets. What do I do about this?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/6/assets-not-listed-on-bankruptcy-documentsWed, 06 Jan 2010 14:03:06 GMTWhat is the difference between a consumer proposal and credit counselling (or "debt management")?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/6/what-is-the-difference-between-a-consumer-proposal-and-credit-counselling-or-debt-managementWed, 06 Jan 2010 13:28:52 GMTHow long will bankruptcy last?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/6/how-long-will-personal-bankruptcy-lastWed, 06 Jan 2010 12:41:53 GMT1.if i own a home jointly,what happns if i declare bankruptcy? 2.are income tax arrears forgiven?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/5/house-equity-income-tax-debtsTue, 05 Jan 2010 11:32:18 GMTOn a second time bankruptcy how long will revenue canada take your taxes for. and do i get to keep my child tax credit.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2010/1/5/second-time-bankruptcy-and-income-taxTue, 05 Jan 2010 11:18:18 GMTIf I file for bankruptcy, who will know? Will my employer find out?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/29/if-i-file-for-bankruptcy-who-will-know-will-my-employer-find-outTue, 29 Dec 2009 10:49:12 GMTWhat effect will bankruptcy have on my credit rating? I've been hearing that I won't get credit for 7 years. Is this true?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/29/effect-of-bankruptcy-on-credit-ratingTue, 29 Dec 2009 10:44:13 GMTHow often do creditors accept a debt settlement? How much do you have to pay to settle your debt?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/29/how-often-are-consumer-proposals-accepted-by-creditorsTue, 29 Dec 2009 10:34:36 GMTARE PERSONEL AND CORPORATION BANKRUPTCIES DIFFERENT?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/28/the-difference-between-corporate-and-personal-bankruptcyMon, 28 Dec 2009 07:13:39 GMTI need to know options. I just had to shut my company down and i have debt way over my head. I don't want to lose my car or my house etc........http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/23/options-to-deal-with-creditorsWed, 23 Dec 2009 14:34:49 GMTMy friend used a "bankruptcy advocate" to help her file for bankruptcy. What is it and do I need one? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/21/use-of-a-bankruptcy-advocate-to-file-for-bankruptcyMon, 21 Dec 2009 14:43:28 GMTI've been trying to pay off my debts for a long time and don't seem to be getting anywhere. How do you know when/if you should file for bankruptcy? Do you have to be unemployed?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/21/how-do-you-know-whenif-you-should-file-for-bankruptcyMon, 21 Dec 2009 13:37:10 GMTCan I go bankrupt without meeting a Trustee? I live in a remote location.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/21/can-i-go-bankrupt-without-meeting-the-the-trusteeMon, 21 Dec 2009 12:36:42 GMTI would like to ask if you can declare personal bankruptcy for only one of your creditors? I have others but the amounts are small and payments are up to date.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/17/can-you-declare-personal-bankruptcy-for-only-one-of-your-creditorsThu, 17 Dec 2009 10:21:21 GMTCan income taxes owing to the Canada Revenue Agency be included in a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/16/income-taxes-in-a-bankruptcyWed, 16 Dec 2009 12:38:28 GMTI have debt for aprox. $2500 and do not make enough money a month to pay it off. I was wondering if I would be eligible for bankruptcy and how I would go about filing and how much money would have to be paid.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/12/9/do-i-qualify-to-file-for-bankruptcyWed, 09 Dec 2009 06:42:26 GMTI just signed financing paperwork with Toyota Canada for a new vehicle. Am I able to keep this vehicle after declaring bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/30/financed-vehicle-can-i-keep-it-if-i-declare-bankruptcyMon, 30 Nov 2009 17:36:30 GMTWhat does a company such as yours charge to execute a bankruptcy claim to the end? And do all companys charge the same amount?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/30/what-is-the-cost-of-personal-bankruptcyMon, 30 Nov 2009 11:12:21 GMTHi, I was wondering if RDSP, RRSP and TFSA's are exempt from bankruptcy. Thank you, http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/29/are-rdsps-rrsps-and-tax-free-savings-accounts-exemptSun, 29 Nov 2009 05:11:16 GMTThe recent amendments to the Bankruptcy and Insolvency Act now change the length of time a person is required to stay in Bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/25/surplus-income-now-determines-the-length-of-time-a-bankruptcy-lastsWed, 25 Nov 2009 12:11:59 GMTMy question is, I have a son who is 18, he lives at home and is in his last year of high school, he has a part time job and the money that he earns doesn't contribute to our home at all, it's his spending money for clothes and his entertainment. Would I have to list this money as part of our income?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/25/reporting-monthly-income-and-expensesWed, 25 Nov 2009 08:50:37 GMTI am an antique dealer and I was told if I file for bankruptcy, a Trustee would rush to sell my inventory at very depressed prices even though the fair market value of my antique inventory exceeds my debt. Why would a Trustee sell my assets at a loss?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/20/assets-sold-at-liquidation-valueFri, 20 Nov 2009 16:44:40 GMTMy company defaulted on the terms of the Proposal half way through. The Trustee said they are closing their file and my suppliers and myself are confused if my company is now bankrupt. New business is viable, but I’m just not able to raise enough cash flow to pay for my proposal. Please advice.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/20/default-in-proposalFri, 20 Nov 2009 15:58:59 GMTWhat happens to my credit rating after bankruptcy? There were several errors in my last report and included creditors which I had no debt or history with. Can a Trustee correct this for me once I am discharged?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/20/credit-rating-and-bankruptcyFri, 20 Nov 2009 15:21:52 GMTI have debt owing to Insurance Corp of BC and was told I will not be able to renew my licence or insurance again even if I filed for bankruptcy. I am a truck driver and will not be able to work without the insurance or licence. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/18/debts-owing-to-insurance-corporation-and-license-renewalWed, 18 Nov 2009 12:05:46 GMTI am in debt. I would like to file a proposal to repay something to my creditors as I am looking for work but I do not know when I can find any gainful employment. What can I do? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/12/consumer-proposal-and-low-incomeThu, 12 Nov 2009 13:47:17 GMTI heard that if you filed for bankruptcy you would have to attend court for your discharge from bankruptcy. Is this true? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/10/do-you-have-to-attend-court-to-get-out-of-bankruptcyTue, 10 Nov 2009 14:47:15 GMTWill my suppliers continue to work with me if I file for personal bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/11/9/bankruptcy-and-suppliersMon, 09 Nov 2009 14:20:42 GMTI owe the TD Bank 19,210.00 for my line of credit. They want me to pay in full now or they are going to sue me for full. I am not working but I do get 1000/month from a structured settlement. Can I claim bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/30/can-i-claim-bankruptcyFri, 30 Oct 2009 11:04:53 GMTMy boyfriend and I are from B.C. We have moved to Alberta a year ago. We have debts we cannot pay. Bank loan and credit cards. The Bank loan wants to sue my boyfriend. We are commonlaw.We have no idea what to do or how to go about it. Can you help mehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/27/how-do-i-best-deal-with-my-creditorsTue, 27 Oct 2009 15:55:16 GMT I have this one question if a person was to file for bancruptcy here in manitoba and was thinking about moving to Bc can a person file in Bc as well?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/26/determining-what-province-to-file-for-bankruptcyMon, 26 Oct 2009 13:28:49 GMTI have read on -line regarding 1st and 2nd bankruptcies....but what happens if there is a third ? Are you ever discharged from a third bankruptcy? Is a consumer proposal the better option?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/26/facing-a-third-bankruptcy-in-canada-any-alternativesMon, 26 Oct 2009 09:54:22 GMTI am a contractor and carry approximately $10,000 in accounts receivables at any one time. Will the Trustee contact my clients and seize the accounts receivables if I file for bankruptcy? I am concerned I will loose my customers if a Trustee notifies them.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/23/bankruptcy-and-collection-of-accounts-receivablesFri, 23 Oct 2009 14:11:19 GMTI borrowed money from my in-laws, will they find out about my bankruptcy? My wife's relationship with her parents will be terribly strained if they find out we are unable to repay them.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/23/bankruptcy-and-family-debtsFri, 23 Oct 2009 13:47:18 GMTMy husband and I are seperating. We are still under the same roof at this time but will be going our own ways. If we file together and he does not fulfill the requirements for discharge do we both lose discharge. Would it be better to file on our own, just trying to have only one fee.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/23/better-to-file-bankruptcy-jointly-with-spouse-or-separatelyFri, 23 Oct 2009 09:50:56 GMTMy husband and I are seperating. We are still under the same roof at this time but will be going our own ways. If we file together and he does not fulfill the requirements for discharge do we both lose discharge. Would it be better to file on our own, just trying to have only one fee.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/22/joint-bankruptcy-for-separating-spousesThu, 22 Oct 2009 11:49:23 GMTi have a zellers credit card.thats in collections,i need some advice on filing bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/21/contacting-a-bankruptcy-trusteeWed, 21 Oct 2009 12:52:20 GMTI have went bankrupt 3 times, can I go bankrupt again? I have $100,000 in debt.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/21/filing-for-bankruptcy-multiple-times-in-canadaWed, 21 Oct 2009 10:44:16 GMTA link to a paper with a good overall description of how various forms of government pension plans and assistance work in Canada.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/21/government-pensions-and-assistance-in-retirementWed, 21 Oct 2009 08:16:54 GMTCan I still operate a business if I go into bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/14/bankruptcy-and-operating-a-businessWed, 14 Oct 2009 14:55:57 GMTi have on 1200 dollar creditcard thats in collections,how much would it .cost me to file bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/14/cost-of-bankruptcyWed, 14 Oct 2009 07:02:14 GMTI filed bankruptcy and was not discharged due to money I still owed and was unable to pay the amount they wanted per month, the trustee closed my file cause the amount was court ordered and would not take smaller payments. What do I do now?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/12/not-discharged-from-bankruptcy-still-owe-money-what-do-i-doMon, 12 Oct 2009 17:21:16 GMTIs it true that someone who has claimed bankruptcy n the past and been discharged and passed the seven year point on the credit bureaus can never sue anyone for personal injury? Thank you for your time. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/12/can-i-sue-someone-for-personal-injury-if-ive-been-in-bankruptcyMon, 12 Oct 2009 17:06:48 GMTCan Cibc visa garnish my wages?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/12/can-cibc-visa-garnish-my-wagesMon, 12 Oct 2009 17:00:03 GMTafter declaring bankrupsy, how long must i wait before I can be free to keep my full wages etc.? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/12/do-i-keep-all-my-wages-after-filing-bankruptcyMon, 12 Oct 2009 07:52:00 GMTI'm getting money from workers compensation cause i injured my self to work. I don't know how much they pay me. My question is Are the trustee will get the money that i will get from workers compensation? Or should i get it first before i file for bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/5/workers-compensation-paymentsMon, 05 Oct 2009 11:28:14 GMTHello I am wondering if i claim bankruptcy on my company that i am a shareholder in, if that will affect me personally? What are the repercussions of my credit and the things i own personally, or is it just the company that takes the hit?? Thank you for your timehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/10/2/does-my-companys-bankruptcy-affect-me-personallyFri, 02 Oct 2009 10:04:05 GMTI was wondering if you could tell me if it was legal for a company to put a lien on me if i claimed bankruptcy???http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/30/liens-and-bankruptcyWed, 30 Sep 2009 06:39:13 GMTI heard that you can't wipe out Canada Student loans anymore. Is this true?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/24/extinguishing-student-loan-debtsThu, 24 Sep 2009 19:58:47 GMTIf I had a bankruptcy before and need to file a again, how long is the process the second time around?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/24/second-time-bankruptcyThu, 24 Sep 2009 14:06:13 GMTI had claimed bankruptcy years ago and was dischaged in October 2004. I just rescently heard that the length of time for bankruptcy to stay on your credit report has been recently reduced from seven years down to six. Is this true? Thanks, Steve.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/24/bankruptcy-and-credit-reportsThu, 24 Sep 2009 07:16:26 GMTWhere can I check or find a list of businesses operating in Alberta that might be bankrupt and therefore I would not want to do business with them? Johnhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/21/doing-business-with-a-bankrupt-companyMon, 21 Sep 2009 07:54:59 GMTHow do I file for bankruptcy in Northern Manitoba?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/18/how-do-i-file-for-bankruptcy-in-northern-manitobaFri, 18 Sep 2009 06:49:33 GMTSome comments on the changes that will occur in Consumer Proposals and Division One proposals as of September 18 2009http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/14/changes-to-proposals-september-18thMon, 14 Sep 2009 08:36:18 GMTDoes a bankrupt get to keep their RRSPs regardless of the amount, in a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/9/2/are-rrsps-exempt-in-a-bankruptcyWed, 02 Sep 2009 08:08:27 GMTno job, no assets $20,000 debthttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/23/no-job-no-assets-20000-of-debtSun, 23 Aug 2009 15:01:27 GMTI"m thinking of personal bankruptcy. I have a fulltime job plus I have a small incorporated business on the side that is pretty much on stand still. It is not making any money has no debt what so ever. Can I still consider a personal bankruptcy without effecting the incorporated business?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/19/continuing-a-business-during-a-bankruptcyWed, 19 Aug 2009 21:30:31 GMTHow long before you file bankruptcy you are allowed to transfer asset? for example my 50% share of the house to my wife. could she buy it from me before I file bankruptcy? what happened if we get divorce?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/19/transferring-assets-before-a-bankruptcyWed, 19 Aug 2009 21:21:55 GMTI am married. If I file for personal bankruptcy I understand that I can keep a portion of my earnings and some of it goes to payment of my creditors. Would my wife's income and income of other people in my family be added to my income to calculate how much is paid to the creditors? Thank you, Glen http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/19/glen-surplus-income-if-i-file-bankruptcy-is-my-spouses-income-included-in-calculating-how-much-i-payWed, 19 Aug 2009 20:55:42 GMTIs there a limit or guide line to how much of your wage can be garnished. We are currently handing over about 65% and it is making keeping day to day obligations very difficult to meet.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/18/how-much-can-be-garnisheed-from-my-wages-in-saskatchewanTue, 18 Aug 2009 19:22:15 GMTIs there a limit to the number of phone calls you need recieve from your creditors. We are bonbarded with 8-9 calls every week even tho we have explained repeatedly why the payments going in are not as large as they want. The phone calls are starting to feel more like harassament that collections.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/18/problems-with-collection-agencies-in-saskatchewanTue, 18 Aug 2009 19:18:55 GMTSeveral significant changes to the Act come into effect in September affecting the amount bankrupts may have to pay as surplus income and/ or the amount of time they have to remain in bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/13/changes-to-bankruptcy-act-september-18-2009Thu, 13 Aug 2009 10:22:23 GMTI’ve been bankrupt before – if I need to file for bankruptcy again, how long will I be in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/7/how-long-will-a-second-bankruptcy-lastFri, 07 Aug 2009 10:43:57 GMTMy debts are over $75,000, and I’ve been told I can’t file a proposal – is that true?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/5/my-debts-are-over-75000-and-ive-been-told-i-cant-file-a-proposal-is-that-trueWed, 05 Aug 2009 09:26:00 GMTI’ve been bankrupt before – if I need to file for bankruptcy again, how long will I be in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/5/how-long-is-a-second-time-bankruptcyWed, 05 Aug 2009 09:18:02 GMTHow long does a bankruptcy last?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/5/how-long-does-a-bankruptcy-lastWed, 05 Aug 2009 07:08:00 GMTMy common law husband passed away Oct 18/08 I was unable to work I just got a job at "__" cooking, my wages are just 10.00hr my rent is 725.00 plus I have 4 credit cards that add up and I just can't do it. Do I qualify for bankruptcy? I don't know how to make ends meet? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/8/4/is-bankruptcy-an-option-for-meTue, 04 Aug 2009 09:57:59 GMTIf I file for bankruptcy, can I keep my car?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/31/if-i-file-for-bankruptcy-can-i-keep-my-carFri, 31 Jul 2009 12:38:41 GMTAfter leaving my husband a year ago, I have been overwhelmed by debt and feel unable to pay it off. I am strongly considering bankruptcy and not too sure how to go about it. I am hoping to find out the steps to take and what it will cost me. Thank-you. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/31/how-to-file-for-bankruptcyFri, 31 Jul 2009 07:20:11 GMTWill it help to resolve my immediate problem to file bankruptcy now. VISA has informed me today that they emptied my bank account, which was intended for my rent. If I can not get this reversed I will be evicted. Is there anything I can do to get my rent money back? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/30/money-seized-by-creditor-can-i-get-it-back-by-filing-bankruptcyThu, 30 Jul 2009 12:55:15 GMTI don't make a lot of money and owe about 8,000. I don't won anything except a car year 2000 which needs $1000 worth of work. What do I stand to loose and how fast can I do this. Is there any money up front I need to pay you or can it be settled slowly. How long will I be in bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/23/bankruptcy-in-saskatchewanThu, 23 Jul 2009 12:07:36 GMTI haven’t filed for bankruptcy, and my creditors are harassing me. What can I do?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/23/dealing-with-creditor-harassment-without-bankruptcy-protectionThu, 23 Jul 2009 11:28:23 GMTWhat assets can I keep if I file for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/22/assets-kept-in-bankruptcyWed, 22 Jul 2009 12:54:45 GMTCan money owing to the government for income taxes, GST, Source Deductions etc. be including in a bankruptcy or proposal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/17/income-taxes-in-bankruptcy-or-proposalsFri, 17 Jul 2009 09:03:33 GMTWhat if one is on income assistance and cannot afford to pay for a trustee but needs to declare bankruptcy? How can one go about filing for bankruptcy and get the help they need?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/16/what-if-i-cant-afford-to-pay-for-a-bankruptcyThu, 16 Jul 2009 16:35:39 GMTI'm farming on a quarter section of land, will this be taken by the Trustee if I declare bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/10/farm-bankruptcy-in-manitobaFri, 10 Jul 2009 06:58:41 GMTHello, if a person is suspended for 6 months to discharge, can he apply for sponsoring his wife for permanent residence?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/9/sponsoring-immigrant-while-in-bankruptcyThu, 09 Jul 2009 07:22:24 GMTIs there a way to deal with Student Loans after a bankruptcy if they are not discharged because the person had not been out of school for seven years at the date of bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/7/8/student-loans-in-bankruptcy-hardship-applicationsWed, 08 Jul 2009 14:13:40 GMTmy 16 yr old daughter was left some property, if i declare personal backruptcy, can they take it awayy from her?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/26/can-they-take-my-daughters-property-in-my-bankruptcyFri, 26 Jun 2009 14:13:32 GMTI am going to be separating from my husband and I believe there is no other option than to declare bankrupcy due to our overwhelming debt. How do I go about doing this?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/24/marriage-breakdown-and-bankruptcyWed, 24 Jun 2009 16:10:01 GMTI will owe the government about $150000 and have about 150000 in equity in my condo. I will not be able to make the payments to the government for taxes. Is my scenario a case for bankruptcy or does one have to sell the home?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/23/equity-in-condo-income-tax-debt-solutionsTue, 23 Jun 2009 13:42:51 GMTI am getting married in August and I am drowning in debt, both credit card and student loans. I also have a car loan. Is it better for me to do a bankruptcy or whatever needs to be done before I get married in a few weeks or to wait until after I'm married? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/22/marriage-and-debt-problemsMon, 22 Jun 2009 11:33:36 GMTIf the husband has filed bankruptcy, in Alberta, can the wife who lives with him apply for and receive a government grant for house repairs, while the husband is still in bankruptcy?...thankyou.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/19/government-grants-for-house-repairsFri, 19 Jun 2009 15:05:07 GMTI have a Tax credit debt for my old company 17 years ago. They are garnishing my wages now. I feel that this debt is not mine personnally. I was told to file Bankruptcy for this. please advise Thanks randellhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/15/tax-debt-for-old-company-do-i-need-to-do-a-personal-bankruptcyMon, 15 Jun 2009 15:32:40 GMThow much do you calculate in the budget after bankruptcy for housing costs for a family of 5. thanks ronhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/13/surplus-income-calculation-for-a-family-of-5Sat, 13 Jun 2009 15:47:15 GMTI own a vehicle worth about $18000. I have a car loan with the vehicle as collateral. the balance owing is $22000. If i declare bankruptcy, will i lose the vehicle? Thanks for your advice DONhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/13/vehicle-worth-18000-loan-against-it-for-22000-will-i-lose-it-in-a-bankruptcySat, 13 Jun 2009 15:34:34 GMTIs it possible to file a partial bankruptcy to eliminate credit card debt only.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/9/is-it-possible-to-file-a-partial-bankruptcy-to-eliminate-credit-card-debt-onlyTue, 09 Jun 2009 20:06:08 GMTHi, I have a house that is mortaged to its value, a line of credit of #30,000, about $20,000 in credit card debt. My sources of income are a city pension and CPP disability. First question, if I go under, can they garnishee my pension or is that untouchable? Thanks in advancehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/3/garnishments-and-bankruptcyWed, 03 Jun 2009 15:10:19 GMTIn personal bankruptcy what happens if I owe a company from California?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/6/1/foreign-creditors-in-a-canadian-bankruptcyMon, 01 Jun 2009 11:38:40 GMTWhat happens when you default on your consumer proposal and it becomes null and void? Does the credit rating automatically go back to zero after seven years even though it was never resolved?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/5/27/what-happens-if-i-default-on-my-consumer-proposalWed, 27 May 2009 20:52:42 GMTIn the past year I have lost all my assets due to divorce and lost income and investments due to job loss. At this point I am unemployed and with EI income lower than payments I have to make. Is bankruptcy the only option I have?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/5/27/no-income-no-assets-what-can-i-doWed, 27 May 2009 20:21:19 GMTMy wife left awhile ago and with the bills i cant do it myself what will happen to my house,and vehicles own one and lease other, and what happens to debt that is in both names if i decide to claim bankruptcyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/5/7/saskatchewan-bankruptcy-questionsThu, 07 May 2009 12:30:27 GMTHi, Can someone declare Bankruptcy even though they are unemployed? Thanks.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/5/7/bankruptcy-and-unemploymentThu, 07 May 2009 08:53:33 GMTWill claiming personal bankruptcy help protect me from losing my home and automobile or must they be sold as assets?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/5/7/will-bankruptcy-protect-me-from-losing-my-assetsThu, 07 May 2009 08:47:46 GMTI want to know about bankruptcy and what happens with my credit if i do this. Do i also make payments if i do this?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/21/credit-implications-and-cost-of-bankruptcyTue, 21 Apr 2009 11:34:59 GMTI currently own a home that I cannot afford. I might need to foreclose on the home, is that something that I can talk to MNP about or do I need to talk to someone else?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/20/i-cant-afford-my-home-what-do-i-doMon, 20 Apr 2009 16:46:10 GMTI'm considering declaring bankruptcy. The mortgage on my condo is too large and I can't afford to pay. Along with credit cards and loans that I can't pay because of the high mortage payments. What I want to know is.... what happens to my mortage when I declare bankruptcy? Will I lose my condo? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/20/what-happens-to-my-mortgage-when-i-declare-bankruptcyMon, 20 Apr 2009 16:38:46 GMTHow does a bankruptcy apply to an insured mortgage?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/20/what-happens-to-the-shortfall-on-my-mortgage-if-it-is-insuredMon, 20 Apr 2009 16:28:32 GMTCan I operate a small home business after declaring bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/15/operating-a-business-after-bankruptcyWed, 15 Apr 2009 16:44:22 GMTWhat happens when the person that has garnished your wages and I have offered to make payments of 1000/month and they want 3500/month? Is there any way that I can get it lifted? It is from the gov for past taxes. They say that was from 4yrs ago.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/15/garnishees-for-income-taxesWed, 15 Apr 2009 16:37:08 GMTDoes a claim by Saskatchewan Government Insurance survive a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/13/claims-by-sgi-in-a-bankruptcy-or-proposalMon, 13 Apr 2009 14:35:14 GMTI have heard that 1 person is allowed to make $1800/mnth income when 1 person files for personal bankruptcy,how much are 2 ppl allowed? And are there any exemptions? Meals on the road..hubby is a truck driver. Groceries for the house? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/6/surplus-income-and-bankruptcyMon, 06 Apr 2009 06:46:26 GMTI owe more to credit card companies than I make from my small pension. I can managed ,but one of my credit card,which I owe 6,000.00 will not listen to my multitude of offers attempts .They are in the driver seat and they act like it.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/4/2/small-pension-aggressive-creditorThu, 02 Apr 2009 17:35:24 GMTI am a second time bankrupt. Can CRA keep undischarged for longer than 12 months?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/25/can-a-creditor-delay-my-dischargeWed, 25 Mar 2009 13:38:19 GMTCan Old Age Security (income asisstance)be garnisheed by creditors?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/21/can-old-age-security-be-garnished-by-creditorsSat, 21 Mar 2009 15:44:33 GMTWhat information should I bring to an initial meeting with the Trustee?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/17/what-information-should-i-bring-to-an-initial-meeting-with-the-trusteeTue, 17 Mar 2009 08:46:21 GMTIs there an alternative to bankruptcy? My income is 945 per month at present-my husband is temporarily out of work(construction) and I am unable to repay a large credit card (lent to my son) .Can a credit card company send your debt to a collection agency?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/10/alternatives-to-bankruptcyTue, 10 Mar 2009 20:46:37 GMTIf a retailer files for bankruptcy, and there is stock on his premises that has been sold and paid for but not picked up,will the owner of those item(s) be able to claim them, with proof of purchase?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/3/retailer-bankruptcyTue, 03 Mar 2009 10:57:20 GMTDo have to give everything up or can I keep anything?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/3/2/what-am-i-allowed-to-keep-when-i-file-for-bankruptcyMon, 02 Mar 2009 15:32:43 GMTI attended university in the US and am now living back in Canada. Is it possile to file for bankruptcy in the US? Will doing so harm my credit in Canada? Thank you for your help!http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/28/filing-us-bankruptcy-from-canadaSat, 28 Feb 2009 15:38:44 GMThow can i get a pre initial consultation for personal bankruptcy. if i would like to go for this is my husband will have to go too,. thanks emmyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/26/how-can-i-get-a-consultation-to-discuss-my-optionsThu, 26 Feb 2009 06:48:02 GMTHi there, I cam currently in Bankruptcy. I went bankrupt in January of 2005. I should have been discharged by now. I am still owing them money plus other creditors. Am i able to seek credit counselling while i am still in Bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/24/undischarged-bankruptcywhat-do-i-doTue, 24 Feb 2009 13:17:09 GMTMy husband and I are looking at probably having to file a joint bankruptcy. We take home $7004 and I am wondering what surplus income we would have to pay. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/24/bankruptcy-and-surplus-incomeTue, 24 Feb 2009 12:29:07 GMTIf I just leave the country for a certain amount of time will all my debts (credit cards, loans, 6 years of unpaid income tax, etc.) just "0" out? If the answer is "no" would I have a problem getting into another country with a fresh bankruptcy on my record?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/22/are-debts-gone-after-6-yearsSun, 22 Feb 2009 08:09:09 GMTI am in debt on my credit line by $15000.00 with td bank I live and work overseas. Can the bank garnish my wages ? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/22/garnishment-by-canadian-creditor-in-other-countriesSun, 22 Feb 2009 07:39:29 GMTi am currently in bankruptcy and had my cell phone stolen, but am still on contract with the company,can i get another cell phone with them without them checking my credit or will I be out of luck in getting a new cell phone and have to suck up the bill until the contract runs out?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/20/obtaining-credit-while-in-bankruptcy-cell-phonesFri, 20 Feb 2009 06:10:06 GMTonce discharged from bankruptcy...can creditors still go after you personally for what was owed to them?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/19/can-creditors-take-collection-action-after-a-bankruptcyThu, 19 Feb 2009 15:44:14 GMTI have two properties one is a primary residence and the other is a rental. The renters put a grow op in the basement and it was seized. I can't afford to fix the house and the mortgage is higher than the house is worth. Can I file for bankruptcy after foreclosure? Will I lose my primary home? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/18/bankruptcy-and-foreclosuresWed, 18 Feb 2009 09:22:39 GMTI would like to file for bankrupcy but i have a student loan and I am drowning in debt but trying to get a education to secure my future. Can i file for bankrupcy even with a student loan?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/14/effect-of-bankruptcy-on-student-loan-fundingSat, 14 Feb 2009 17:34:04 GMTCan gov. agencies garnish 100% of a persons income? Either motor vehicles accident recoveries, or human resources and employment services (u.i)?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/12/garnishees-by-creditors-and-by-the-governmentThu, 12 Feb 2009 11:28:21 GMTCan I get help with 1 credit card that is over-limit?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/5/dealing-with-one-credit-card-only-that-is-over-the-limitThu, 05 Feb 2009 06:16:01 GMTAfter everything is finished, can I get GST back? My fee was 165.00 per month during my bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/3/gst-cheques-in-a-bankruptcyTue, 03 Feb 2009 15:05:59 GMTMy spouse has been layed off but I am still working and unable to pay for all the bills. Can you still file for bankruptcy or make a proposal to creditors? And what if he is able to find a job, how is everything affect if you have filed?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/3/filing-bankruptcy-or-a-proposal-when-i-have-been-layed-offTue, 03 Feb 2009 10:16:43 GMTwhat happens if you declare Bankruptcy and you or a your child need medical or dental care that you must pay for first then get reimbursed by your companies health care?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/2/reimbursement-for-expenses-after-bankruptcyMon, 02 Feb 2009 17:24:38 GMTI want to withdraw all my savings in the bank in order to avoid payment of the loss on the sale of home. My savings are not in the same bank where I have the mortgage. Is this a good move, or am I getting into a trouble? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/2/moving-assets-to-avoid-creditorsMon, 02 Feb 2009 17:20:51 GMTWhat exactly is bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/2/2/what-is-bankruptcyMon, 02 Feb 2009 13:02:25 GMTAre criminal fines written off in a bankruptcy or proposal?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/1/23/criminal-finesFri, 23 Jan 2009 10:07:24 GMTUnder provincial legislation in Manitoba there is an exemption for what is called “tools of trade.” As a mechanic you would be eligible for this exemption on your tools up to a value of $7,500. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/1/20/tools-of-trade-exemptionTue, 20 Jan 2009 06:51:42 GMTA comment on the number of bankruptcy and proposal filings in Canada over the last twelve months.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2009/1/18/bankruptcy-filings-in-canadaSun, 18 Jan 2009 10:56:06 GMTRecent Changes in Bankruptcy Law may affect those with student loans owing, even if they filed before the changes were made.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/30/student-loan-bankruptcy-some-recent-changesTue, 30 Dec 2008 08:47:37 GMTWhat happens in the case when one of the spouses gets a job in the USA after a period of no employment and the other spouse does not want to follow and declares bankruptcy. Are the laws the sames in the US as they are in BC?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/22/canadian-us-bankruptcy-laws-are-they-the-sameMon, 22 Dec 2008 18:13:59 GMTExempt Assets in Alberta - How does the Bankruptcy Process Work? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/22/how-does-bankruptcy-affect-exempt-assets-in-albertaMon, 22 Dec 2008 16:20:51 GMTI own my home with my wife, we are both are on title and we live there with our 2 young children. What will happen to my home,furniture,clothing,toys,computer etc. if I file for personal bankrupcy due to unpayable business loans? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/16/what-happens-to-my-assets-in-a-bankruptcyTue, 16 Dec 2008 22:02:25 GMTI have seen people being referred to as a former bankrupt. How has that information been made public?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/16/is-bankruptcy-information-made-publicTue, 16 Dec 2008 21:51:05 GMTMy question is......I have Power of Attorney over someone. Can I declare personal bankruptcy on behalf of that person? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/15/power-of-attorney-can-i-file-a-bankruptcy-for-that-personMon, 15 Dec 2008 10:36:55 GMTA description of the process an individual goes through when filing bankruptcy with MNP in Saskatchewan.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/12/filing-bankruptcy-in-saskatchewanFri, 12 Dec 2008 12:45:17 GMTWhat all will I loose if I declare bankruptcy and how do I declare bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/9/exempt-assets-in-saskatchewan-how-does-the-bankruptcy-process-workTue, 09 Dec 2008 12:36:25 GMTHello, I have a vehicle lease I can no longer afford to pay and I was wondering if it gets reposed by the creditor can that cause me to go bankrupt ? I have a mortgage on a house so that is not an option ? Thankshttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/9/repossession-of-vehicle-by-creditorTue, 09 Dec 2008 12:02:59 GMTwhat does the term "discharge from a bankruptcy" mean exactly? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/8/what-does-the-term-discharge-meanMon, 08 Dec 2008 11:29:47 GMTWould you please explain "net income" - What if we have deductions as in CPP, Medical Insurance, and Super Anuations - Would we have to include that to our net income? Thanking you. Just very concerned before making a committment.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/12/2/would-you-please-explain-net-incomeTue, 02 Dec 2008 18:57:44 GMTwhat happens to my house when filing for bankruptcy... there is still mortgage on it but not much equity...http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/26/what-happens-to-my-house-in-a-bankruptcyWed, 26 Nov 2008 15:12:25 GMTDoes the Trustee have fiduciary duties to the Bankrupt? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/25/trustees-dutiesTue, 25 Nov 2008 10:31:25 GMTIf I apply for bankruptcy, will that include whatever I owe the government as well? Such as Motor Vehicle?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/25/are-government-debts-includedTue, 25 Nov 2008 10:00:48 GMTCan a director of a corporation be held responsible for unpaid taxes?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/25/corporations-and-directors-liabilitiesTue, 25 Nov 2008 09:52:38 GMTAre timeshare weeks considered an asset?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/25/timeshares-assets-i-get-to-keepTue, 25 Nov 2008 09:44:42 GMTIs the garnishment amount based on the income that would be paid according to the job contracted for[nursing] or would it be based on the actual income earned per year including overtime,extra shifts worked,all of which fluctuates from year to year and is not dependable income.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/25/garnishee-orders-how-much-can-they-takeTue, 25 Nov 2008 09:38:30 GMTHi I want to have personal Brankruptcy i have no money if I have bankruptcy how much will cost and who will pay?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/24/cost-of-bankruptcyMon, 24 Nov 2008 13:50:31 GMTIf I declare personal bankruptcy, will this affect our personal residence which is in only in my wifes name and she is the sole mortgage payor?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/19/houses-and-bankruptcyWed, 19 Nov 2008 08:50:43 GMTI haven't done my taxes for five years, and can't afford to pay h & r block for them. If I file bankruptcy will they take my income tax money? and gst money?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/18/income-tax-refunds-during-a-bankruptcyTue, 18 Nov 2008 15:19:01 GMTMy husband and I have been nailed court costs that we are having a hard time paying. Are we able to file bankruptcy on court costs?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/18/court-costsTue, 18 Nov 2008 15:02:17 GMTI need help with debt.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/18/help-with-debtTue, 18 Nov 2008 12:53:23 GMTWe currently are 1/3 owners of a private corporation We have a shareholder loan to the company. If the company declares bankruptcy, will creditors get paid before we get our loan back? In what order to people get paid? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/18/bankruptcy-laws-shareholder-loanTue, 18 Nov 2008 12:45:02 GMTI never got my discharge from my bankruptcy, what do I do?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/18/what-to-do-if-you-never-got-your-dischargeTue, 18 Nov 2008 07:56:26 GMTA brief description of the term Surplus Income (Reposted). http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/14/what-is-surplus-income-repostFri, 14 Nov 2008 07:05:53 GMTneed bankruptcy info pleasehttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/13/contacting-a-trusteeThu, 13 Nov 2008 08:13:13 GMTIf I am filing for personal bankruptcy for the second time, do I have to tell the Trustee, or is it his responsibility to find out, or does it matter?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/13/second-time-bankruptcyThu, 13 Nov 2008 08:09:33 GMTI and my wife has much loan in the bank and on credit card. It seems we cannot afford to pay the loan at this time. We are thinking to do bankcruptcy so we can stop and pay. Please response and thank you for your info.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/11/bank-loans-and-credit-cards-in-a-bankruptcyTue, 11 Nov 2008 09:06:35 GMTin a 2 person marriage and then a split one clams bankruptcy and the other do not ,the one who did not caim bankruptcy are thet to be put in the same 6 year hold by creditors even thow they have not filed ever for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/5/marital-splits-joint-debt-and-bankruptcyWed, 05 Nov 2008 12:09:27 GMTIf a creditor disputes a second personal bankruptcy and the case is still in the courts, how long does the court have to make a decisson on the fraudulant charge. http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/11/2/opposition-to-bankrupts-discharge-fraud-issueSun, 02 Nov 2008 13:04:55 GMThttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/24/the-difference-between-business-and-personal-bankruptcyFri, 24 Oct 2008 11:01:51 GMTI understand that you cannot file for personal bankruptcy if you are a Director of an Incorporated company. How does a person go about resigning as the Director??? Thanks, Kellyhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/17/filing-bankruptcy-if-you-are-a-director-of-an-incorporated-companyFri, 17 Oct 2008 17:21:49 GMTHi, What are the limits for surplus income for 2-person, 3-person amd 4-person families filing bankruptcy in Bc Canada today October 2008? Thanks http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/16/surplus-incomeThu, 16 Oct 2008 11:05:41 GMTIf I have been discharged from bankruptcy will my bankruptcy affect my ability to be bonded for a job?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/16/am-i-bondable-if-ive-gone-through-bankruptcyThu, 16 Oct 2008 10:43:34 GMTI understand that it takes 7 years for a bankruptcy to clear from a credit bureau. Is that 7 years from the date of discharge or 7 years from the initial filing date of the bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/15/retention-of-bankruptcy-information-on-credit-bureauWed, 15 Oct 2008 09:30:38 GMTme and my husband are intrested in going bankrupt asap and would like to now what we would need and the fees required in this process.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/9/first-steps-in-starting-the-bankruptcy-proceedingsThu, 09 Oct 2008 16:10:37 GMTI have a partnership company with a debt of 5,000.00 and alot of other debt's. I need to know if i can claim bankruptsy and how.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/7/business-related-bankruptcyTue, 07 Oct 2008 14:52:12 GMTam on conpensation if i declare bankrup will this affect my compensation http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/10/3/compensationdisability-paymentsFri, 03 Oct 2008 14:57:44 GMTCan you operate a business during a bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/9/29/can-you-operate-a-business-during-a-bankruptcyMon, 29 Sep 2008 09:56:15 GMTExempt vehicles when filing for bankruptcy in Saskatchewan.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/9/29/exempt-vehicle-in-saskatchewanMon, 29 Sep 2008 07:32:14 GMTIf you go into bankruptcy or do a Proposal under the Bankruptcy and Insolvency Act, the creditor cannot attempt to collect from you, but they will attempt to collect the amount from the joint debtor, who in your case is your spouse.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/9/2/what-happens-to-credit-cards-that-are-joint-with-a-spouseTue, 02 Sep 2008 15:47:44 GMTThere seems to be much confusion in Canada about what debts are released, or not released, in a bankruptcy or proposal. In part, I think that this is because people reading web pages on bankruptcy often find information on US bankruptcy laws, which are quite different.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/9/1/what-debts-are-released-in-a-bankruptcyMon, 01 Sep 2008 12:11:04 GMTI am on Social Security and my monthly payments to my credit cards are becoming too much to handle individually. Can I declare bankruptcy and make smaller payment to them.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/8/7/im-on-income-assistance-will-a-bankruptcy-help-meThu, 07 Aug 2008 10:58:50 GMTMy wife left our marriage and has since filed for personal bankruptcy. She left behind promisory notes to repay family members for $60,000. Naturally, they are worried this money is now lost to them. Will they lose their privately loaned money? What recourse do they have in this matter.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/30/how-are-family-creditors-dealt-with-in-a-bankruptcyWed, 30 Jul 2008 07:44:06 GMTA quick description of what the term "Surplus Income" means in a bankruptcy.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/29/what-is-surplus-incomeTue, 29 Jul 2008 15:11:38 GMTWhat happens to my farm equipment and livestock if I declare bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/25/farm-assets-and-bankruptcyFri, 25 Jul 2008 09:46:40 GMTI'm in the process of trying to sell my house, but there isn't enough money to pay off the mortgage, the realtor and the lawyer. What do I do?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/22/shortfall-on-sale-of-homeTue, 22 Jul 2008 08:37:37 GMTI currently have 2 vehicles financed and a mortgage. If I claim bankruptcy will I get to keep at least one vehicle?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/21/vehicles-and-bankruptcyMon, 21 Jul 2008 06:34:54 GMThttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/20/july-7-2008-changes-in-bankruptcy-legislationSun, 20 Jul 2008 20:44:25 GMTCan you tell me what happens to shares in a company when one shareholder declares bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/18/shares-in-a-corporation-owned-by-a-bankruptFri, 18 Jul 2008 07:25:14 GMThttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/16/some-thoughts-on-expected-changes-in-bankruptcy-lawsWed, 16 Jul 2008 10:20:49 GMTWage Earner Protection NOW IN FORCEhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/10/wage-earner-protection-now-in-forceThu, 10 Jul 2008 09:51:09 GMTCan you tell me what is meant by the Term: Statutory Debt http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/9/statutory-debtsWed, 09 Jul 2008 09:44:28 GMTI have taken ill, and my wife & I have debt problems. If we go bankrupt and if I should die & there is some insurance (my wife being the beneficiary)what would happen to with the insurance money?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/9/life-insurance-proceeds-in-a-bankruptcyWed, 09 Jul 2008 08:32:23 GMThttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/7/8/student-loans-and-rrsp-changes-now-in-forceTue, 08 Jul 2008 10:50:53 GMTWould my employer find out if I file for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/6/26/would-my-employer-find-out-if-i-file-for-bankruptcyThu, 26 Jun 2008 21:23:01 GMTWill the changes affect prior bankruptcies? Will I be able to go back to court after seven years, even though my bankruptcy was in 2004? TYhttp://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/6/16/changes-to-student-loans-in-a-bankruptcyMon, 16 Jun 2008 14:44:29 GMTI know there are some changes being proposed to the forgiveness of student loans in a bankruptcy. When will this happen?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/6/4/changes-to-bankruptcy-lawsWed, 04 Jun 2008 20:46:52 GMTI live in a doublewide trailer, would I lose that if I filed for bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/5/5/would-i-lose-my-trailer-in-a-bankruptcyMon, 05 May 2008 14:04:48 GMTMy condo is worth less than the mortgage owing on it. If I file bankruptcy can I have the mortgage reduced to what it is worth?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/4/21/reducing-mortgage-amount-to-value-of-propertyMon, 21 Apr 2008 10:15:13 GMTI am a Canadian living in the United States. I have around $27,000 of Canadian Credit Card debt. Can I file for bankruptcy in Canada? What would that do to my US debts? Thank you.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/4/10/i-am-a-canadian-living-in-the-us-can-i-file-for-bankruptcy-in-canadaThu, 10 Apr 2008 21:49:26 GMTI am wondering if a life insurance policy would have to be collapsed and that money used to help pay creditors - it is worth about 10,000, the person still pays a monthly installment for it, and it is the only asset she has. Thank you, http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/4/10/will-a-life-insurance-policy-have-to-be-collapsed-and-used-to-pay-creditorsThu, 10 Apr 2008 21:47:33 GMTWill I lose my home if I file bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/4/2/will-i-lose-my-home-if-i-file-bankruptcyWed, 02 Apr 2008 17:02:54 GMTMy car is worth more than $5,000 - what happens if I file bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/18/value-of-car-exceeds-5000Tue, 18 Mar 2008 18:06:10 GMTI have another question, I owe credit cards, have a mortgage, own my car, and have rsps. Will the bank take my house if I go bankrupt?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/can-the-bank-take-my-house-if-i-file-bankruptcySat, 15 Mar 2008 10:40:33 GMTI have a lot of debt, mostly credit cards. I have a mortgage, own my car, and I have some rsps. If I go bankrupt will I lose my car or have to cash in my rsps?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/exempt-assets-in-saskatchewanSat, 15 Mar 2008 10:39:36 GMTI have been spending beyond my means, I have a good job, but I can't keep up with my payments. My friend told me I can not go bankrupt because I make to much money, is this true? I make close to 40,000 but I owe about the same with credit cards and car payments.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/can-i-file-bankruptcy-if-i-have-a-good-incomeSat, 15 Mar 2008 10:37:41 GMTI need to go bankrupt, but I have a mortgage with my wife. She does not want to go bankrupt. How can I do this without dragging her into this?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/file-a-bankruptcy-with-a-joint-mortgageSat, 15 Mar 2008 10:33:52 GMTI am thinking about going bankrupt will this affect my wife's credit rating?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/does-bankruptcy-affect-my-spouses-credit-ratingSat, 15 Mar 2008 10:31:09 GMTwhat is a secured debt? http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/what-is-a-secured-debtSat, 15 Mar 2008 10:29:20 GMTI owe my bank money for a visa account, I am behind on my payments, and they have taken my last couple of paychecks. My friend told me that if I go bankrupt, I can get this money back, is this true?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/15/can-garnisheed-funds-be-returned-in-a-bankruptcySat, 15 Mar 2008 10:25:23 GMTI know student loans don’t go away in a bankruptcy unless it has been 10 years since you finished your program, but I’ve heard this is being changed. What will the new time period be and when will that change be in effect?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/12/discharge-of-student-loan-debtWed, 12 Mar 2008 08:53:59 GMTI have a loan against my car and I need my car for work. If I do a bankruptcy, am I going to lose the car?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/12/will-i-lose-my-car-in-a-bankruptcyWed, 12 Mar 2008 08:52:22 GMTI'm on disability pension, one of my creditors are trying to garnishee my pension. Can they do this? I owe them 4,000, can I do a bankruptcy to get them off my case?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/6/disability-pensionThu, 06 Mar 2008 00:00:00 GMTWill garnishees be affected by bankruptcy?http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/3/5/garnishees-and-bankruptcyWed, 05 Mar 2008 00:00:00 GMTWith a few exceptions, most banks and lessors will agree to your keeping the vehicle in a bankruptcy and continuing on with the payments so long as your payment history has been good and your payments are currently up-to-date.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/2/27/a-question-regarding-assetsWed, 27 Feb 2008 17:54:10 GMTCurrently, if you ended your studies less than 10 years before you start a bankruptcy, the bankruptcy will not release you from your obligation to repay the student loans.http://www.mnpdebt.cawww.mnpdebt.ca/en/personal/blog/2008/2/27/a-question-regarding-student-loansWed, 27 Feb 2008 11:01:47 GMT