You can find all forms in our Forms section. Please keep in mind we do not require you to fill these out before your appointment. If you have any questions about any of the forms, feel free to contact us .

The federal government provides guidelines to all Licensed Insolvency Trustees to help them determine if an individual or family has surplus income obligations. Your threshold for surplus income is calculated based on the number of dependents in your household and your net family income. Net family income refers to how much you earn after deducting income taxes, payroll deductions, essential medical expenses, alimony, child support, and childcare...

When you file for Bankruptcy, unsecured creditors will be allowed to file a claim with the LIT for the amount they are owed to receive their share of any funds distributed in your Bankruptcy. Your creditors will deal directly with the Licensed Insolvency Trustee and are required by law to stop contacting you regarding collections immediately. If a creditor persists in contacting you, you should notify the Licensed Insolvency Trustee immediately....

If a debt included in your Bankruptcy has been co-signed or guaranteed, the co-signer/guarantor will be responsible for making the payments in full. Filing a Bankruptcy only gets rid of your legal obligation to pay the debt.

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