Daily Archives: October 5, 2013

There are two main credit reporting agencies in Ontario: Equifax and Trans Union. Information about your bankruptcy or consumer proposal is reported to these agencies by the Office of The Superintendent of Bankruptcy (OSB), not your trustee. The OSB will advise these agencies when you file a bankruptcy or proposal…

No. Filing for bankruptcy in Ontario does not directly affect your spouse. It is a common misconception that if you are married, you are automatically responsible for you spouse’s debts. That is not the case. You are only responsible for debts in your name, that you have signed for. Your spouse is…