Bankruptcy Edmonton » Consumer Proposals http://www.bankruptcy-edmonton.com Bankruptcy Edmonton Thu, 02 Feb 2012 18:28:57 +0000 en hourly 1 affecting credit rating http://www.bankruptcy-edmonton.com/bankruptcy/2010/06/affecting-credit-rating.html http://www.bankruptcy-edmonton.com/bankruptcy/2010/06/affecting-credit-rating.html#comments Wed, 23 Jun 2010 03:19:44 +0000 Questions http://www.bankruptcy-edmonton.com/?p=511 Does using the service put a mark on your credit rating? Currently my rate is at an r1, which i think is the highest. The problem is that my morgage payments are high and trying to pay down debt is a very slow process. I`ve calculated my monthly payments for daily expences and figured out what intrest I am paying with the debt. I also calculated how many years it would take to pay the debt off at a fixed monthly payment but I am not seeing any result because of the intrest on the debt.

]]> http://www.bankruptcy-edmonton.com/bankruptcy/2010/06/affecting-credit-rating.html/feed 1 consumer proposal http://www.bankruptcy-edmonton.com/consumer-proposals/2010/05/consumer-proposal-7.html http://www.bankruptcy-edmonton.com/consumer-proposals/2010/05/consumer-proposal-7.html#comments Thu, 06 May 2010 01:42:02 +0000 Questions http://www.bankruptcy-edmonton.com/?p=502 Can consumer proposal be rejected by creditors?
what is the maximum amoint of monthly payment that have you seen in your career somebody paid for proposal just becuase the monthly income was high?

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2010/05/consumer-proposal-7.html/feed 1 Consumer Proposal http://www.bankruptcy-edmonton.com/consumer-proposals/2010/03/consumer-proposal-6.html http://www.bankruptcy-edmonton.com/consumer-proposals/2010/03/consumer-proposal-6.html#comments Thu, 04 Mar 2010 01:08:31 +0000 Questions http://www.bankruptcy-edmonton.com/?p=494 Does a consumer proposal cover income tax debt?

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2010/03/consumer-proposal-6.html/feed 1 consumer proposal http://www.bankruptcy-edmonton.com/consumer-proposals/2010/01/consumer-proposal-5.html http://www.bankruptcy-edmonton.com/consumer-proposals/2010/01/consumer-proposal-5.html#comments Wed, 27 Jan 2010 15:08:32 +0000 Questions http://www.bankruptcy-edmonton.com/?p=488 i am going to sponsor my spouse, but before she comes here i would like to take control of my debts. i am thinking of applying for consumer proposal, and a friend told me it is one step before bankruptcy. will it affect my application for sponsorship? because i am not allowed to have bankruptcy on my record if i am sponsoring my spouse.

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2010/01/consumer-proposal-5.html/feed 1 consumer propsal and impact on international property http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-propsal-and-impact-on-international-property.html http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-propsal-and-impact-on-international-property.html#comments Mon, 28 Dec 2009 16:23:50 +0000 Questions http://www.bankruptcy-edmonton.com/?p=473 I own a condo in Arizona with my brother.
I understand that in a bankruptcy I would loose my share, but would this happen if I file a proposal instead?

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-propsal-and-impact-on-international-property.html/feed 1 consumer proposal and a joint bank account. http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-proposal-and-a-joint-bank-account.html http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-proposal-and-a-joint-bank-account.html#comments Mon, 28 Dec 2009 16:22:16 +0000 Questions http://www.bankruptcy-edmonton.com/?p=472 I am going to file a consumer proposal but I have a question. My husband and I have a joint bank account. Do I have to declare the money in this account, even though I am not declaring his income (I have discussed this with a trustee, my cost of bankrutpcy would be higher by doing htis and I will have to offer more to my creditors, but that is what I want). So do I need to declare the amount of money in the joint account or not?

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2009/12/consumer-proposal-and-a-joint-bank-account.html/feed 1 RRSP`s in bankruptcy or a proposal http://www.bankruptcy-edmonton.com/bankruptcy/2009/12/rrsps-in-bankruptcy-or-a-proposal.html http://www.bankruptcy-edmonton.com/bankruptcy/2009/12/rrsps-in-bankruptcy-or-a-proposal.html#comments Wed, 09 Dec 2009 06:19:42 +0000 Questions http://www.bankruptcy-edmonton.com/?p=452 I’m confused.

I have to file either a bankruptcy or a proposal, but I can seem to be able to figure out what will happen to my RRSP`s.

I have tried to do my research and have run into what I think is contradictory information.
Some of the stuff I read suggests that all my RRSP`s are losed, unless help by an insurance company in a special type of fund (segregated I think???). Other pages state taht I get to keep everything that has been contributed except for the most recent 12 months. What can I expect?

]]> http://www.bankruptcy-edmonton.com/bankruptcy/2009/12/rrsps-in-bankruptcy-or-a-proposal.html/feed 1 Student loans and a consumer proposal http://www.bankruptcy-edmonton.com/consumer-proposals/2009/05/student-loans-and-a-consumer-proposal.html http://www.bankruptcy-edmonton.com/consumer-proposals/2009/05/student-loans-and-a-consumer-proposal.html#comments Wed, 27 May 2009 04:31:40 +0000 Questions http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/student-loans-and-a-consumer-proposal.html If I have been out of school for seven years but still have Students Loans and I file a proposal, can I include these creditors in the proposal? Or do they survive?

]]> http://www.bankruptcy-edmonton.com/consumer-proposals/2009/05/student-loans-and-a-consumer-proposal.html/feed 1 joint debts and bankruptcy or proposal http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/joint-debts-and-bankruptcy-or-proposal.html http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/joint-debts-and-bankruptcy-or-proposal.html#comments Wed, 13 May 2009 05:24:03 +0000 Questions http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/joint-debts-and-bankruptcy-or-proposal.html I have a few big problems, I have a bunch of debts, they are mostly credit cards in my name, but there is a bank line of credit. The problem is that this line of credit is held jointly with my spouse. What would be the effects on my spouse under a consumer proposal or, in a bankruptcy?

]]> http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/joint-debts-and-bankruptcy-or-proposal.html/feed 1 What is the impact on joint party if a bankruptcy or proposal is filed? http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/what-is-the-impact-on-joint-party-if-a-bankruptcy-or-proposal-is-filed.html http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/what-is-the-impact-on-joint-party-if-a-bankruptcy-or-proposal-is-filed.html#comments Thu, 07 May 2009 02:53:16 +0000 Questions http://www.bankruptcy-edmonton.com/bankruptcy/2009/05/what-is-the-impact-on-joint-party-if-a-bankruptcy-or-proposal-is-filed.html I have a lot of debt. Most of my debts are credit cards and most of them are in my name. But I have 1 line of credit with CIBC that was cosigned by my husband. What would happen to my spouse under a consumer proposal or, in a bankruptcy?

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