I Delared Bankruptcy In 2002 And Now Have A Collection Agency Hounding Me With P

2011-06-28

Hello, This happens on occasion.  You should advise the collection agency that you filed for bankruptcy back in 2002 and that the debt would have been included in that proceeding (assuming it was incurred prior to your filing date). You should refer to the Statement of Affairs that was prepared at the beginning of the process, a copy of which would have been provided to you by the Trustee at that time.  The Statement of Affairs includes a list of your debts and the amounts owing, assets and related values, etc.  Check to see if you identified that particular creditor on your Statement of Affairs and if so provide a copy to the Collection Agency so that they will stop calling you.  As an alternative, you could also refer them to the Trustee's office who could in turn provide relevant information to the collection agency. If the debt was incurred prior to your bankruptcy and you forgot to include them, the debt would still be extinguished assuming you received your discharge from the bankruptcy.  If anything, you could be liable for the dividend they were entitled to receive in your bankruptcy.  If creditors did not receive a dividend, there would nothing owing to this particular creditor. Brad Milne, CIRP Trustee in Bankruptcy Brandon, Manitoba  

Latest Blog Posts

2025-10-21

How we helped a client decide between a consumer proposal and bankruptcy

Leah Drewcock

A client thought bankruptcy was their only way out. See how a consumer proposal helped them keep their home and repay debt with confidence.

Read More

2025-10-20

Seniors and Debt

Pamela Meger

Alternatives to Bankruptcy Bankruptcy Consumer Proposal Lifestyle Debt MNP Consumer Debt Index

Just when seniors should be relaxing and enjoying the fruits of their labour, many find themselves struggling financially — an unsettling contrast to the ease they’d hoped to live their golden years.

Read More

2025-10-17

How buyer’s remorse laws can help you stay out of debt

Alana Orrell

This is called buyer’s remorse. In some cases, Canadian law provides protections that can help you reverse these costly decisions and avoid sinking further into debt. 

Read More

Consultation icon