Bankruptcy

Managing day to day finances properly takes time, thought, and planning. Many Canadians carry a certain amount of debt as part of their overall financial picture. However, at times, those debts can begin to feel overwhelming. Whether your financial situation is personal, or business-related, bankruptcy offers some relief if you find yourself in a situation where you are unable to repay your debts. Making the decision to file for bankruptcy can be confusing, difficult, and embarrassing. Are you unsure of your current financial situation and debt-load? Do you have questions or concerns about what you get to keep, or what you may have to give up if you declare bankruptcy? Are you divorced, and your ex-spouse is declaring bankruptcy - do you need to know what effect this will have on child and spousal support? A Licensed Insolvency Trustee will be able to explain the process and implications of filing for bankruptcy, as well as alternatives to bankruptcy - options are available.

You are not alone. Connect with others who may be going through the same thing, find professional help and resources near you. The Kinjunxion community is here to help.

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Canada.Innovation, Science and Economic Development Canada - Office of the Superintendent of Bankruptcy Canada - Hamilton Central

Supervises the bankruptcy system, provides information on the bankruptcy process to debtors, and responds to complaints from bankrupts and creditors.

Hoyes, Michalos & Associates - Consumer Proposals, Bankruptcy, Debt Relief - Brantford - Brant Ave

Offers a full range of debt relief options including consumer proposals, bankruptcy, and debt relief

Services offered:
* managing debt
* stop a wage garnishment
* stop collection calls
* eliminate credit card debt
* dealing with tax debt
* student loan debt relief

Canada. Canada Revenue Agency - Community Volunteer Income Tax Program and GIS Preparation Clinics

Offers volunteers who assist individuals who are unable to complete income tax and benefit returns.

These returns are not eligible for this service:
* returns for deceased persons
* individuals who file for bankruptcy
* self-employed individuals
* individuals who report capital gains or losses
* individuals who report employment expenses, or business or rental income and expenses

Volunteer tax preparation clinics are offered in various locations across Canada, generally between February and April of each year. Some clinics operate year-round.

Canada. Canada Revenue Agency - Community Volunteer Income Tax Program and GIS Preparation Clinics

Offers volunteers who assist individuals who are unable to complete income tax and benefit returns.

These returns are not eligible for this service:
* returns for deceased persons
* individuals who file for bankruptcy
* self-employed individuals
* individuals who report capital gains or losses
* individuals who report employment expenses, or business or rental income and expenses

Volunteer tax preparation clinics are offered in various locations across Canada, generally between February and April of each year. Some clinics operate year-round.

Ontario. Ministry of the Attorney General - Superior Court of Justice - Civil Court - Milton Courthouse

* hears all civil proceedings in Ontario, including commercial matters, personal injury, bankruptcy and insolvency cases, and litigation involving wills and estates

Visit the website for more information on civil cases

Harris & Partners - Licensed Insolvency Trustee - Brantford - Grey St

Bankruptcy and insolvency services provided include:
* filing for bankruptcy
* consumer proposals
* debt settlements
* financial planning and credit counselling
* both business and personal

MNP - Debt Relief Solutions - Brantford - Borden St

Trustee in bankruptcy and consumer proposal administrator

* bankruptcy
* consumer proposal
* orderly payment of debts
* debt consolidation
* credit counselling
* informal debt settlement
* other options

BDO Canada - Brantford Insolvency - Brantford - Park Rd N

Debt management services include:

* navigating the process of filing for bankruptcy
* drafting a practical proposal to creditors (consumer proposal)
* developing better budgeting and money management skills through credit counselling
* connecting with other debt consultants and professional advisors in situations where filing for bankruptcy or making a proposal are not suitable solutions

Travel Industry Council of Ontario

Association that answers consumers' inquiries and attempts to mediate complaints arising from the purchase of travel services from registered travel agencies. * Claims against the Ontario Travel Compensation Fund for the non-provision of travel services due to the bankruptcy or insolvency of an Ontario registered travel agency or travel wholesaler, or the cessation of an airline or cruise line.

Ontario. Ministry of the Attorney General - Superior Court of Justice - Civil Court - Guelph - Woolwich St

All civil proceedings in Ontario are heard by the Superior Court of Justice. Civil cases are brought before the court following the Rules of Civil Procedure (filing an action or application). Examples of Civil court hearings include:
* injury
* bankruptcy and insolvency cases
* litigation involving wills and estates

Ontario. Ministry of the Attorney General, Court Services - Superior Court of Justice, Bankruptcy Court / Commercial List Office - Assessment Office

Handles bankruptcy related petitions, proposals and discharges, toronto.bankruptcy@ontario.ca * also civil litigation that falls within specific statutes such as Commercial List issues, toronto.commerciallist@jus.gov.on.ca

Family Counselling Centre of Brant - Family and Credit Counselling - Brantford - Brant Ave

Family Services include:

* individual/couple/family counselling
* employee assistance program (EAP)
* public awareness/education
* options to violence/women initiating new growth in self-esteem (WINGS)
* sexual assault counselling
* early learning and parenting centres
* partnership with Brant Family and Children's Services

Credit Counselling and Consumer Education includes:
* budget counselling
* debt repayment program
* bankruptcy counselling