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Refer these creditors to your Trustee. If the creditors are persistent provide them with a copy of your Discharge Certificate or Order and a copy of your Statement of Affairs showing that the creditor was included in your bankruptcy and that your debt to them is now discharged. If the creditor is harassing you or collecting in an unethical manner you can report them to the Office of Consumer Affairs in your Province.
If your Trustee hasn’t been discharged yet, simply tell the creditor to contact your Trustee and participate in your bankruptcy. If your Trustee has been discharged then the creditor is entitled to be paid the same dividend (% of debt) your other creditors received from your bankruptcy. You will have to pay this amount. Contact your Trustee to discuss this. If you deliberately omitted the creditor from your bankruptcy (the onus is...
Why is the Student Loans collection still calling me, I thought they were included in my bankruptcy?
Some student loan / debts are not forgiven by your discharge from bankruptcy. You should have received confirmation from your trustee that either the student loans would be discharged or that they would resume collection after you were discharged. You should contact the National Student Loan Service Centre to find out more about your student loans account and make arrangement for payments if necessary
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.
The tax refund relating to the year of your bankruptcy will be sent to the Trustee for the benefit of your creditors. Subsequent tax refunds should be sent to you. The Trustee has a right to apply your GST credits towards the costs of administering your bankruptcy (up to a maximum of $1800). Once the Trustee’s costs are covered, the GST credits will again revert to you.
If the Trustee has not been discharged yet, then you will have to paper-file your tax return. Once the Trustee is discharged you can e-file your returns again. You should contact the CRA and ensure they have your correct address and banking.
