Further to FAQ 4 and 6 above it is the duty of the debtor.

See FAQ 18

No, whether you can obtain credit after your discharge from bankruptcy will depend on your ability to convince lenders of your financial maturity and ability to repay the debt. There are no guarantees, no one is required to give you credit.

Your spouse may have signed an agreement or contract either co-signing or jointly signing for liability. For example, you may have a supplemental credit card for your spouse or your spouse may be a guarantor on one of your loans. If so, your spouse is responsible for paying the balance of this debt.

There are many factors to consider when choosing the right credit card. The Financial Consumer Agency of Canada has a credit card selector tool and can help you understand the fees, costs, rewards and benefits of each credit card.

The Certificate of Full Performance has the same effect as a discharge from bankruptcy. You are now released from legal obligation to repay the debts you had as of the date you filed your Proposal, except for specific types of debts that are excluded by the law.

Buying a home is a major financial decision and should not be taken lightly. First you need to ensure your credit report is accurate and that you have savings for a down payment. Canada Mortgage and Housing Corporation has many resources available to help you with your home buying decision including a test to see if you are financially ready to buy a home. You may want to consider rent-to-own options in your community. There...

Much like buying a home it is recommended that you have a down payment for your vehicle purchase. Make sure your credit report is accurate before you apply for credit through a financial institution or car dealership. Create a budget! What payment is affordable to you? Don’t borrow more than you can afford to repay. Vehicles depreciate quickly and often need repairs before you have finished paying the loan. Ensure you budget...

If you fail to pay your mortgage, your mortgage company can commence foreclosure proceedings, before, during or after Bankruptcy or a Proposal. If you are finished your Bankruptcy or Proposal and are concerned you are going to miss your mortgage payments you should contact your mortgage company immediately and try to negotiate with them.

Secured creditors (like vehicle finance companies) retain their rights under their contract, even after Bankruptcy or Proposal completion. If you fail to meet the contractual obligations, the creditor can repossess the collateral (i.e. car, ATV, Boat). In some provinces, the secured creditors can still collect from you for the deficiency, even after repossession. Ask your Trustee if this applies to you.