Bankruptcy Ontario

Bankruptcy Ontario – Licensed Insolvency Trustees

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Ajax / Pickering

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
formerly Lawson Fisher
200 Bond St West, Suite #207, Oshawa, L1J 2L7
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
1670 Kingston Road West (at Brock), Unit 1, Pickering, ON, L1V 3E2
EmailEvaluationMore Info/Map

Burton ontario bankruptcyBurton, Dey & Associates LTD., 1-888-820-4037
577 Kingston Road West, Ajax, Ontario, L1T 3A2
Email  Evaluation  More Info/Map


Alliston

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
39 Victoria St E, (at South Simcoe Community Services) Alliston, ON L9R 1T3
Email  Evaluation  More Info/Map


Arnprior

Collins Barrow BrownCollins Barrow Brown Inc., 613-699-2273
141 John Street North, Arnprior, Ontario, K7S 2N5
Email  Evaluation  More Info/Map


Aurora

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
16775 Yonge Street, Suite #216, Newmarket, ON L3Y 8J4
Email
  Evaluation  More Info/Map


Barrie

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
580 Bryne Drive, Unit A1, Barrie, Ontario L4N 9P6
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 705-230-0253
92 Caplan Avenue, Suite 507, Barrie, ON L4N 0Z7
Email  Evaluation  More Info/Map


Belleville

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
formerly Lawson Fisher
525 Dundas Street East, 2nd Floor,Belleville, Ontario K8N 1G4
Email  Evaluation  More Info/Map


Bloor West Village

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6290
1120 Finch Avenue West, Suite 108, North York, Ontario M3J 3H7
Email  Evaluation  More Info/Map


Bracebridge

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee.,
Toll-Free: 1-844-294-7980

345 Ecclestone Drive, Bracebridge, ON P1L 1R1
Email  Evaluation  More Info/Map

MNP Ontario Consumer Proposal AdministratorMNP Limited, 705-230-0242
77 Coldwater Street East, Unit 101, Orillia, ON L3V 1W5
Email  Evaluation  More Info/Map


Brampton

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
284 Queen Street East, Suite 222, Brampton, ON L6V 1C2
Email  Evaluation  More Info/Map

Cooper Ontario TrusteeCooper & Company Ltd., 289-278-0105
36 Queen Street East, Suite 200, Brampton, Ontario L6V 1A2
Email  Evaluation  More Info/Map


Brantford

MNP Bankruptcy OntarioMNP Limited, 519-800-5682
217 Terrace Hill St, Brantford, ON N3R 1G8
Email  Evaluation  More Info/Map


Burlington

MNP Bankruptcy OntarioMNP Limited, 905-581-4437
2289 Fairview Street, Suite 424, Burlington, Ontario L7R 2E4
Email  Evaluation  More Info/Map

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
3390 South Service Road, Suite 204, Burlington, ON L7N 3J5
Email  Evaluation  More Info/Map


Cambridge

MNP Ontario Consumer Proposal AdministratorMNP Limited, 519-800-2420
Suite 600 – 73 Water Street N, Cambridge Place, Cambridge, ON N1R 7L6
Email  Evaluation  More Info/Map


Carleton Place

Collins Barrow BrownCollins Barrow Brown Inc., 613-209-1825
52 Lansdowne Avenue, Carleton Place, Ontario K7C 3S9
Email  Evaluation  More Info/Map


Chatham

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-2463
196 Queen Street, Chatham, ON N7M 2H1
Email  Evaluation  More Info/Map


Cobourg

A Farber Bankruptcy OntarioA. Farber & Partners Inc. 1-844-294-7980
253 Division Street, Cobourg, Ontario K9A 3P9
Email  Evaluation  More Info/Map


Collingwood

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
275 First Street, Suite #13, Collingwood, ON L9Y 1A8
Email  Evaluation  More Info/Map


Cornwall

MNP Bankruptcy OntarioMNP Limited, 613-519-2694
26 Montreal Rd #1, Cornwall, ON K6H 1B1
Email  Evaluation  More Info/Map


Don Mills

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6290
1120 Finch Avenue West, Suite 108, North York, Ontario M3J 3H7
Email  Evaluation  More Info/Map


Downsview

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6290
1120 Finch Avenue West, Suite 108, North York, Ontario M3J 3H7
Email  Evaluation  More Info/Map


Dundas

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
89 King Street West, Suite #106, Dundas, Ontario L9H 1V1
Email  Evaluation  More Info/Map


East York

Farber Ontario Consumer ProposalA. Farber & Partners Inc.,  1-844-294-7980
2017 Danforth Avenue, Suite #101,Toronto, ON M4C 1J7
Email  Evaluation  More Info/Map


Etobicoke

Farber Ontario Consumer ProposalwespeakpolishrcA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
705-155 Rexdale Blvd., Bank of Montreal Building, Etobicoke,
Ontario M9W 5Z8
Email  Evaluation  More Info/Map

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6287
3300 Bloor Street West, Centre Tower, 11th Floor, Suite 3140, Etobicoke, ON M8X 2X3
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 647-694-0386
208 Evans Avenue (at Islington), Suite 103 Etobicoke, Ontario M8Z 1J7
Email  Evaluation  More Info/Map

Farber Ontario Consumer ProposalwespeakpolishrcA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
385 The West Mall, Suite #302, Etobicoke, Ontario M9C 1E7
Email  Evaluation  More Info/Map


Exeter

MNP Bankruptcy OntarioMNP Limited, 877-245-7931
370 Main Street, Exeter, Ontario N0M 1S0
Email  Evaluation  More Info/Map


Fort Erie

MNP Ontario Consumer Proposal AdministratorMNP Limited, 877-221-5295
168 Garrison Road, Suite 5, Fort Erie, Ontario L2A 1M4
Email  Evaluation  More Info/Map


Georgetown

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-244-9772 
#36B – 360 Guelph Street, Georgetown, ON L7G 4B5
Email  Evaluation  More Info/Map


Grimsby

MNP Bankruptcy OntarioMNP Limited, 289-799-3118
18 Elm Street, Grimsby, Ontario L3M 1H4
Email  Evaluation  More Info/Map


Guelph

MNP Ontario Consumer Proposal AdministratorMNP Limited, 519-800-2420
Suite A110, 490 York Road, Guelph, ON N1E 6V1
Email  Evaluation  More Info/Map


Hamilton

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
555 Concession Street, Unit 4 on the Second Floor, Hamilton, Ontario, L8V 1A8
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 289-799-3444
1350 Kenilworth Avenue North, Suite 206, Hamilton, ON L8H 4T3
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 289-799-3444
14 Hughson St S, Suite 200, Hamilton, ON L8N 3Z1
Email  Evaluation  More Info/Map


Hamilton Mountain

MNP Bankruptcy OntarioMNP Limited, 289-271-0732
1030 Upper James, Suite 402, Hamilton Mountain, ON L9C 6X6
Email  Evaluation  More Info/Map


Hanover

MNP Ontario Consumer Proposal AdministratorMNP Limited, 877-246-0943
105 Elizabeth St. West., Suite 205, Listowel, Ontario N4W 1C8
Email  Evaluation  More Info/Map


Kemptville

Collins Barrow BrownCollins Barrow Brown Inc., 1-888-480-3794
310 Prescott Street, Kemptville, ON K0G 1J0
Email  Evaluation  More Info/Map


Kenora

LCTaylor Bankruptcy Ontario TrusteeLCTaylor, 1-888-403-8370
2nd Floor – 225 Main Street South, Kenora, Ontario P9N 1T3
Email  Evaluation  More Info/Map


Keswick / Sutton West

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
187 Simcoe Avenue, Keswick, Ontario L4P 2H6
Email  Evaluation  More Info/Map


Kingston

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
formerly Lawson Fisher
36 Bridge Street East, Napanee, Ontario K7R 1J8
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 613-519-3110
945 Princess Street, Unit 1, Kingston , ON , K7L 0E9
Email  Evaluation  More Info/Map


Kirkland Lake

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-244-9772 
23 Prospect Avenue, Kirkland Lake, ON P2N 2V3
Email  Evaluation  More Info/Map


Kitchener / Waterloo

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-3210
279 Weber St. North, Kitchener / Waterloo , Ontario N2J 3H8
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 519-800-2420
3-139 Northfield Drive West, Waterloo, ON N2L 5A6
Email  Evaluation  More Info/Map


Lindsay

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
formerly Lawson Fisher
6 Albert Street North, Lindsay, Ontario K9V 4J1
Email  Evaluation  More Info/Map


Listowel

MNP Ontario Consumer Proposal AdministratorMNP Limited, 877-246-0943
105 Elizabeth St. West., Suite 205, Listowel, Ontario N4W 1C8
Email  Evaluation  More Info/Map


London

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-3219
924 Oxford Street East, London, Ontario N5Y 3J9
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 519-800-7253
14-1790 Dundas Street East, London, Ontario N5W 3E5
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 519-800-7253
1069 Wellington Rd South (near WhiteOaks Mall), Suite 110, London, ON N6E 1W4
Email  Evaluation  More Info/Map

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-2482
1750 Ernest Avenue, London, ON N6E 3H3
Email  Evaluation  More Info/Map


Markham

MNP Bankruptcy OntarioMNP Limited, 647-931-6192
3100 Steeles Avenue East, Suite 900, Markham, ON L3R 8T3
Email  Evaluation  More Info/Map

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
302-315 Renfrew Drive, Markham, Ontario L3R 9S7
Email  Evaluation  More Info/Map


Midland

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
338 King Street, Suite C, Midland, ON L4R 3M5
Email  Evaluation  More Info/Map


Milton

MNP Bankruptcy OntarioMNP Limited, 877-223-3075
107 Martin St, Suite 204, Milton, ON L9T 2R3
Email  Evaluation  More Info/Map


Mississauga

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
3660 Hurontario Street, Suite 305, Mississauga, Ontario, L5B 3C4
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
130 Dundas Street East (at Hurontario), Ste 306, Mississauga ON L5A 1W7
Email  Evaluation  More Info/Map


Morrisburg

Collins Barrow BrownCollins Barrow Brown Inc., 1-888-480-3794
79 Main Street, Morrisburg, ON K0C 1X0
Email  Evaluation  More Info/Map


Napanee

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
formerly Lawson Fisher
36 Bridge Street East, Napanee, Ontario K7R 1J8
Email  Evaluation  More Info/Map


Newmarket

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
16775 Yonge Street, Suite #216, Newmarket, ON L3Y 8J4
Email
  Evaluation  More Info/Map


Niagara Falls

MNP Bankruptcy OntarioMNP Limited, 289-271-0763
3714 Portgage Road, Suite 200, Niagara Falls, Ontario L2J 2K9
Email  Evaluation  More Info/Map


North York

Farber Ontario Consumer ProposalwespeakpolishrcA. Farber & Partners Inc., 1-844-294-7980
HEAD OFFICE: 1220 Sheppard Ave. East, Suite #300, Toronto, ON M2K 2R8
Email  Evaluation  More Info/Map

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6290
1120 Finch Avenue West, Suite 108, North York, Ontario M3J 3H7
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
1280 Finch Ave West (at Keele) Suite 406, North York, ON M3J 3K6
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
HEAD OFFICE:245 Fairview Mall Drive, Suite 720, North York
(Don Mills/Don Valley Parkway & Sheppard), Ontario M2J 4T1
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 647-931-6192
45 Sheppard Avenue E., Suite 802, North York, Ontario M2N 5N1
Email  Evaluation  More Info/Map


North Bay

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
222 McIntyre Street West, Suite 204, North Bay, ON, P1B 2Y8
Email  Evaluation  More Info/Map


Oakville

MNP Bankruptcy OntarioMNP Limited, 877-223-3075
407 Speers Road, Unit D, Oakville, Ontario L6K 3T5
Email  Evaluation  More Info/Map


Orangeville

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
#3 – 239 Broadway Avenue, Orangeville, ON L9W 1K4
Email  Evaluation  More Info/Map


Orillia

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
525 West Street South, Orillia, Ontario L3V 5H2
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 705-230-0242
77 Coldwater Street East, Unit 101, Orillia, ON L3V 1W5
Email  Evaluation  More Info/Map


Oshawa

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
formerly Lawson Fisher
200 Bond St West, Suite #207, Oshawa, Ontario L1J 2L7
Email  Evaluation  More Info/Map

Burton ontario bankruptcyBurton, Dey & Associates LTD., 1-888-820-4037
76 King Street West, Oshawa, Ontario L1H 1A6
Email  Evaluation  More Info/Map


Ottawa

Collins Barrow BrownCollins Barrow Brown Inc., 613-209-1825
301 Moodie Drive, 400, Ottawa, ON K2H 9R4
Email  Evaluation  More Info/Map

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-855-218-8436
343 Preston Street, 11th floor, Ottawa, Ontario K1S 1N4
Email  Evaluation  More Info/Map


Owen Sound

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
275 First Street , Suite #13, Collingwood, ON L9Y 1A8
Email  Evaluation  More Info/Map


Parry Sound

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
580 Bryne Drive, Unit A1, Barrie, Ontario L4N 9P6
Email  Evaluation  More Info/Map


Peterborough

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980 
formerly Lawson Fisher
159 King Street, Suite 303, Peterborough, Ontario K9J 2R8
Email  Evaluation  More Info/Map


Picton

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980 
formerly Lawson Fisher
525 Dundas Street East, 2nd Floor,Belleville, Ontario K8N 1G4
Email  Evaluation  More Info/Map


Port Colborne

MNP Bankruptcy OntarioMNP Limited, 877-221-5295
84 West Street, Port Colborne, Ontario L3K 4C8
Email  Evaluation  More Info/Map


Richmond Hill

Farber Ontario Consumer ProposalA. Farber & Partners Inc., 1-844-294-7980
16775 Yonge Street, Suite #216, Newmarket, ON L3Y 8J4
Email
  Evaluation  More Info/Map


St. Catharines

MNP Bankruptcy OntarioMNP Limited, 289-271-0732
395 Ontario St, St. Catharines, ON L2N 4M8
Email  Evaluation  More Info/Map

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
200-93 ON Street, St. Catharines, ON L2R 5J7
Email  Evaluation  More Info/Map


St. Thomas

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-3223
142 Centre Street, St. Thomas, Ontario N5R 3N7
Email  Evaluation  More Info/Map


Sarnia

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
316 George St, Sarnia, ON N7T 4P4
Email  Evaluation  More Info/Map


Sault Ste. Marie

Rickard Insolvency TrusteeMaria Rickard & Associates Inc., 705-942-1069
123 March St., Suite 407, Sault Ste. Marie, Ontario P6A 2Z5
Email  More Info/Map


Scarborough

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
2100 Ellesmere Road, Suite 301, Scarborough, Ontario M1H 3B7
Email  Evaluation  More Info/Map

Cooper Ontario TrusteeCooper & Company Ltd., 647-931-6278
1919 Lawrence Ave. East, Suite 305, Scarborough, ON M1R 2Y6
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
HEAD OFFICE:245 Fairview Mall Drive, Suite 720, North York
(Don Mills/Don Valley Parkway & Sheppard), Ontario M2J 4T1
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 647-694-0386
1648 Victoria Park Avenue (at Eglinton Ave.), Suite L02 Scarborough, Ontario M1R 1P7
Email  Evaluation  More Info/Map


Simcoe

MNP Bankruptcy OntarioMNP Limited, 905-581-4437
23 Argyle Street, Simcoe, Ontario N3Y 3N6
Email  Evaluation  More Info/Map


Smiths Falls

Collins Barrow BrownCollins Barrow Brown Inc., 1-888-480-3794
37 William Street East, Smiths Falls, ON K7A 1C3
Email  Evaluation  More Info/Map


Stoney Creek

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
8 King Street W., Suite 1A, Stoney Creek, Ontario L8G 1G8
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 289-799-3444
800 Queenston Road, Stoney Creek, Ontario L8G 1A7
Email  Evaluation  More Info/Map


Stratford

MNP Ontario Consumer Proposal AdministratorMNP Limited, 877-246-0943
100 Erie Street, Stratford, Ontario N5A 2M4
Email  Evaluation  More Info/Map


Strathroy

MNP Bankruptcy OntarioMNP Limited, 519-800-7253
14-1790 Dundas Street East, London, Ontario N5W 3E5
Email  Evaluation  More Info/Map


Sudbury

MNP Bankruptcy OntarioMNP Limited, 705-230-3291
1970 Paris Street, Sudbury, ON P3E 3C8
Email  Evaluation  More Info/Map


Thunder Bay

Grant Thornton Ontario BankruptcyGrant Thornton Limited, 343-800-0121
979 Alloy Drive, Suite 300, Thunder Bay, ON P7B 5Z8
Email  Evaluation  More Info/Map


Tillsonburg

MNP Ontario Consumer Proposal AdministratorMNP Limited, 519-800-2430
80 Brock Street, Tillsonburg, ON N4G 1Z9
Email  Evaluation  More Info/Map


Toronto

A Farber Bankruptcy OntariowespeakpolishrcA. Farber & Partners Inc Consumer Proposal Trustee.,
1-844-294-7980
2120 Eglinton Avenue West, Unit D, Toronto, Ontario, M6E 2K8
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
550 St. Clair Ave. West (at Bathurst), Unit 2, Toronto, ON M6C 1A5
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
HEAD OFFICE: 245 Fairview Mall Drive, Suite 720, North York
(Don Mills/Don Valley Parkway & Sheppard), Ontario M2J 4T1
Email  Evaluation  More Info/Map

David Sklar, Ontario Consumer Proposal8languagesDavid Sklar & Associates Inc., 647-931-5373
1280 Finch Ave West, (at Keele), Suite 406, Toronto, ON M3J 3K6
Email  Evaluation  More Info/Map

MNP Bankruptcy OntarioMNP Limited, 647-694-0386
45 St. Clair Avenue West (at Yonge St.), Suite 1200 (HEAD OFFICE) Toronto, ON M4V 0A2
Email  Evaluation  More Info/Map

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
Toll-Free: 1-866-204-0750

2017 Danforth Avenue, Suite #101, Toronto, Ontario M4C 1J7
Email  Evaluation  More Info/Map

MNP Ontario Consumer Proposal AdministratorMNP Limited, 647-931-6273
2 Carlton Street, Suite 1302, Toronto, Ontario M5B 1J3
Email  Evaluation  More Info/Map

A Farber Bankruptcy OntarioA. Farber & Partners Inc., 1-844-294-7980
150 York Street, Suite 1600, Toronto, ON M5H 3S5
Email  Evaluation  More Info/Map


Trenton

Farber Ontario Consumer ProposalA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980 
290 Dundas Street West, Trenton, Ontario K8V 3S1
Email  Evaluation  More Info/Map


Vaughan

MNP Bankruptcy OntarioMNP Limited, 647-694-0386
400 Applewood Crescent, Unit 100, Vaughan, Ontario L4K 0C3
Email  Evaluation  More Info/Map


Wasaga Beach

A Farber Bankruptcy OntarioA. Farber & Partners Inc Consumer Proposal Trustee., 1-844-294-7980
802 Mosley Street, Wasaga Beach, ON L9Z 1N9
Email  Evaluation  More Info/Map


Welland

MNP Ontario Consumer Proposal AdministratorMNP Limited, 289-271-0734
60 King Street, Unit 101, Welland, Ontario L3B 6A4
Email  Evaluation  More Info/Map


Whitby

Burton ontario bankruptcyBurton, Dey & Associates LTD., 1-888-820-4037
107 Kent Street, Whitby, ON, L1N 4Y1 (Just off Dundas St. (Hwy#2)
Street is across the road from Scotiabank.)
Email  Evaluation  More Info/Map


Willowdale

Farber Ontario Consumer ProposalwespeakpolishrcA. Farber & Partners Inc., 1-844-294-7980
1220 Sheppard Ave. East, Suite #300, Toronto, Ontario M2K 2R8
Email  Evaluation  More Info/Map


Winchester

Collins Barrow BrownCollins Barrow Brown Inc., 613-209-1825
475 Main Street, Winchester, ON K0C 2K0
Email  Evaluation  More Info/Map


Windsor

Adamson Ontario Licensed Insolvency TrusteeAdamson & Associates Inc., 519-800-5664
5400 Tecumseh Road East, Windsor, Ontario N8T 1C7
Email  Evaluation  More Info/Map


Woodbridge

MNP Bankruptcy OntarioMNP Limited, 647-694-0386
3800 Steeles Avenue West, Suite 100, Woodbridge, ON L4L 4G9
Email  Evaluation  More Info/Map


Woodstock

MNP Ontario Consumer Proposal AdministratorMNP Limited, 519-800-2432
18 Light Street, Unit 1, Woodstock, Ontario N4S 6G8
Email  Evaluation  More Info/Map


Ontario Bankruptcy Trustees Can Provide You with Bankruptcy, Consumer Proposal and other debt relief Information.

Bankruptcy Ontario laws are provided for those debtors who are burdened with a hopeless debt load. By going bankrupt you can receive a discharge of your debts and begin on the road to a fresh, stable financial life.

Bankruptcy in Ontario is a legal and honest method for Ontario residents to get out of debt.

By visiting our website you can learn about Ontario bankruptcy so if you are thinking about filing bankruptcy you can make the right decision.

You can also learn about making an Ontario consumer proposal. Proposals are good alternatives to bankruptcy.

If you are ready to discuss bankruptcy further can schedule a free, no obligation evaluation meeting with a bankruptcy trustee by calling one of our trustees listed above.

By reading the information on our website you can go to a consultation meeting with a bankruptcy trustee with a knowledge of bankruptcy and how bankruptcy in Ontario can help you.

If you are a first time bankruptcy filer you can receive a discharge of your eligible debts in as little as nine months. Many people who file bankruptcy in Ontario have no property that they will have to surrender to the bankruptcy trustee.

You can begin on the road to a “fresh start” by filing Bankruptcy Ontario.

In addition to bankruptcy, if you are struggling with debts you can make a Consumer Proposal to your creditors. When you make a consumer proposal you will repay a portion of your debts over a period of 36 months to 60 months at a reduced interest rate.

If you have questions about Ontario bankruptcy you can schedule a free consultation meeting with one of our trustees, or you can visit our Bankruptcy FAQ page for answers to the most common bankruptcy questions.

If you are interested about filing bankruptcy but are worried about what belongings you will lose, you can look at the Ontario bankruptcy exemptions, to see what assets you can keep when filing bankruptcy or a consumer proposal in Ontario.

Bankruptcy Ontario: How to File for Bankruptcy in Ontario

Ontario residents who are overwhelmed with debt might at one point or another contemplated filing bankruptcy in Ontario. Bankruptcy in Ontario, however, is only one option available to Ontario consumers in debt.

Other strategies that might be available for debtors trapped in debt in Ontario:

Ontario bankruptcy is a legal process, and you must use a Licensed Insolvency Trustee in Ontario (previously known as a bankruptcy trustee in Ontario) in order to file bankruptcy.

The first step in the Ontario bankruptcy process is to meet with a Licensed Insolvency Trustee in your area for a free consultation to discuss your options. After you have received the information from the Trustee you can take your time to make a decision about what the Trustee has told you.

If you decide that you would like to go ahead with filing for bankruptcy, the Licensed Insolvency Trustee (LIT) will ask you to fill out the necessary bankruptcy forms and then the Trustee will submit these forms with the OSB (Office of the Superintendent of Bankruptcy).

Once the paperwork is filed with the OSB, you will be “bankrupt.”

This article will further explore the follow issues that a debtor should consider in their decision making process about filing for bankruptcy in Ontario:

How Long Will I Be in Bankruptcy?

Considerations in a Personal Bankruptcy

Guide to Filing Bankruptcy

Is Bankruptcy Right For Me?

Bankruptcy Ontario – How Long Will I Be in Bankruptcy?

Many Ontario consumers are concerned about how long it will take them to get out of bankruptcy. A first time bankruptcy, where the debtor has no surplus income, will be over in 9 months and the bankrupt will receive their automatic discharge 9 months from the date of their bankruptcy filing.

The factors that will increase the time a person will be in bankruptcy are:

  • Surplus income payments required;
  • A second time bankruptcy;
  • Opposition to a debtor’s discharge from bankruptcy;
  • The bankrupt’s decision to purchase non-exempt assets from the Trustee.

Surplus Income Payments Extend the Time of the Bankruptcy: If you file for bankruptcy and your income is over a certain level set by the government for living expenses based on your family size, then you will be required to make surplus income payments to your Trustee for distribution to your creditors.

If you are required to make surplus income payments you will be required to pay 50% of the amount over the threshold for surplus income payments.

If you are a high earner, surplus income payments could add quite a lot to the cost of your bankruptcy, and you will be in bankruptcy longer, therefore you will be making larger payments for a longer period of time when you have surplus income payments to make.

When you are required to make surplus income payments, your bankruptcy will be extended by 12 months. Therefore, a first time bankrupt with surplus income payments will be in bankruptcy for 21 months (9 months for a minimum bankruptcy + 12 month extension for surplus income requirements).

A Prior Bankruptcy Filing Increases The Length of a Second Bankruptcy: A first time bankrupt can receive a quick and easy discharge from their bankruptcy, especially if they do not have surplus income requirements. However, a second bankruptcy is treated more seriously and the minimum time in which a bankrupt with a prior bankruptcy can receive their discharge is 24 months. If you are filing a third bankruptcy, you will have to go to Bankruptcy Court and a judge will determine when you will receive your bankruptcy discharge.

Bankruptcy Ontario Discharge is Opposed: In certain cases the bankrupt’s discharge from bankruptcy, which is usually automatic, can be opposed. In almost all cases, the debtor’s Licensed Insolvency Trustee will oppose the discharge. The Trustee will usually oppose the discharge because the bankrupt failed to comply with their duties under the BIA (Bankruptcy and Insolvency Act).

Your creditors, and the OSB also has the ability to oppose your discharge, although this is rare.

Bankrupt Decides to Purchase Non-Exempt Assets From the Bankruptcy Estate: A person filing bankruptcy in Ontario is allowed to keep certain assets that are protected by the Ontario bankruptcy exemptions. However, there are certain cases where a debtor filing Ontario bankruptcy will lose some of their non-exempt assets. It is not uncommon for a bankrupt to purchase any non-exempt assets they would lose from their Trustee.

You are allowed to make installment payments to the Trustee to cover the equity in the non-exempt assets that you would like to purchase back from your bankruptcy estate.

Considerations in a Personal Bankruptcy

A debtor with unsecured debt who is considering filing bankruptcy in Ontario must take into account the follow considerations, which we will explore in further detail.

Not Everyone is Eligible for Ontario Bankruptcy

If you are experiencing financial difficulty you might think that filing bankruptcy is the right choice for you. However, not everyone is eligible for bankruptcy in Ontario.

In order to be eligible to go bankrupt, you must owe at least $1,000 in unsecured consumer debt and you must also be insolvent. A person is considered “insolvent” if they satisfy these two conditions as set out by the federal Bankruptcy and Insolvency Act:

Cannot meet your financial obligations as they are due for payment;
Your total debts outweigh your total assets.

Debtors that are not eligible for bankruptcy because they are not insolvent often do not meet the second requirement because they could pay their debts if they sold their home, other real property or other assets. A debtor who has a large amount of equity in their home are not eligible for bankruptcy or a consumer proposal because they are not insolvent based on the fact their assets are larger then their debts.

What Debts are Eliminated by Filing Bankruptcy?

Before you make any decision about bankruptcy in Ontario you should have a complete understanding of what debts are eliminated by filing bankruptcy. It is important to understand that not all debts can be discharged in bankruptcy. There are three different types of debt and how each type is handled by bankruptcy is different.

Secured debt in bankruptcy: A debt in which your creditor has collateral in, such as a mortgage or car loan, is a secured debt. Personal bankruptcy in Ontario will not eliminate or discharge any of your secured debt.

Unsecured debt: Unsecured debt is any other debt that is not secured by an asset or other collateral. Your unsecured debt will be eliminated when you receive your bankruptcy discharge.

Non-dischargeable debt: Even unsecured debt that falls into the non-dischargeable category won’t be discharged or eliminated in bankruptcy. Non-dischargeable debt includes court fines, student loans if you have not been out of school for at least 7 years, judgements and debt arising from fraud, and child and spousal support payments.

You Might Lose Certain Assets in a Bankruptcy

When you go bankrupt you will be required to transfer any of your non-exempt assets to your Trustee. Ontario lists assets that you are able to keep under the bankruptcy exemptions, but if your equity is over the limit you are allowed to keep, you must surrender the asset to the Trustee. If you are not able to keep your asset, you can purchase the equity from the bankruptcy estate from your Trustee.

Can I keep my Car in Bankruptcy?

In many cases a bankrupt can keep their car, because Ontario has a motorvehicle exemption of $6,600, which means if your vehicle is less than $6,600 you are able to keep your car when going bankrupt.

If your car is worth more than $6,600 then you can still keep your car if you pay the Trustee the difference in the equity from what you are allowed to keep to the value of the equity in the vehicle. For example, if your car is worth $9,000 you can pay $2,400 to the Trustee – the difference between the value of the car and the $6,600 exemption for a motorvehicle.

Subsequently, if you were to surrender your vehicle and the Trustee was to sell it for $9,000 he would give the debtor the $2,400 difference.

Guide to Filing Bankruptcy in Ontario

The bankruptcy process is a legal process that follows certain steps. Usually a person will consider bankruptcy after they have received a garnishment notice, have been sued by a creditor, have gone over the limit on their credit cards, have started to receive collection calls, or have lost their job. There are many reasons why a person might consider filing Ontario bankruptcy.

Only a Licensed Insolvency Trustee Can File Bankruptcies

In order to file for bankruptcy in Ontario you need to use the services of a Licensed Insolvency Trustee; only a Trustee can file bankruptcy with the Office of the Superintendent of Bankruptcy. You cannot file bankruptcy on your own, or use the services of any other debt relief expert.

There are a number of organizations and individuals that offer to provide debt assistance, but only a Licensed Insolvency Trustee can provide a full range of debt relief options. Some consumers meet with a debt relief “professional” who charges a fee just to refer you to a Trustee.

The steps to filing bankruptcy in Ontario are as follows:

Initial Meeting With an Ontario Licensed Insolvency Trustee

The first step in the bankruptcy process is to meet with a Trustee to discuss all of your options and possible bankruptcy alternatives. In many cases the Trustee can help you avoid bankruptcy by filing a consumer proposal, but if the Trustee recommends that you file bankruptcy you can feel confident that is the best solution for you as all Ontario Trustees are bound by a strict set of professional ethics.

Second Meeting With the Trustee

Once you are sure that you would like to proceed with filing bankruptcy, your Trustee will provide you all the necessary paperwork to fill out.

You should bring a number of documents with you such as proof your name, copy of your income tax return, copy of a recent paystub and copies of your bank account statements.

The Trustee will help you fill out this paperwork, which should take about an hour. Once the paperwork is complete you will sign it.

The cost of filing bankruptcy is approximately $1,800 in Ontario in most cases, which can be paid at $200 a month for 9 months.

During this meeting the Trustee will ask you to surrender your credit cards, which you cannot keep in a bankruptcy.

Bankruptcy Forms are Submitted to the Office of the Superintendent of Bankruptcy

Once your LIT (Licensed Insolvency Trustee) has all of the necessary information and documents they will submit your paperwork with the Bankruptcy Court.

The two documents submitted to the Bankruptcy Court are the Statement of Affairs and the Monthly Income and Expense Statement.

The Statement of Affairs will include information about your creditors and the amount that is owed to each creditor.

Creditors’ Notified of the Bankruptcy

Once the bankruptcy has been confirmed by the Bankruptcy Court, the bankrupt is officially bankrupt and the stay of proceedings goes into effect. The stay of proceedings stops all wage garnishments, lawsuits and collection calls from the unsecured creditors included in the bankruptcy.

The Trustee will also notify the debtor’s creditors that they have file bankruptcy. The Trustee has 5 days to notify all of the unsecured creditors included in the bankruptcy. Your creditors have the right to object to your bankruptcy, although this is incredibly rare at this stage. Creditors that oppose a bankrupt’s discharge usually oppose the discharge later in the bankruptcy process.

Bankrupt’s First Counselling Session

As part of the bankrupt’s duties he must attend two counselling sessions to learn about money management and budgeting skills. The first of such meetings will occur after about 4 weeks from the bankruptcy filing.

Second Counselling Session

The second counselling session will occur approximately two months before the bankrupt is to receive their discharge. After this meeting has occurred, the Trustee will submit a report to the OSB advising them of the bankrupt’s actions during the bankruptcy, and if the bankrupt’s discharge is opposed. If the bankrupt’s discharge is opposed, the Trustee will include a note about who is opposing the debtor’s discharge from the bankruptcy.

In most cases a discharge will be opposed because the debtor did not complete all of their duties.

Is Bankruptcy Right For Me?

For some consumers in Ontario facing a severe debt situation bankruptcy could be the ideal solution for them to get a fresh financial start. However, for other consumers their unique circumstances means that filing personal bankruptcy is not the ideal solution for their debt problem.

Ontario Bankruptcy is ideal for individuals who:

  • Have substantial unsecured debt;
  • Have an income of less than $35,000 a year;
  • Do not own shares in a corporation;
  • Have no professional status;
  • Do not have a large amount of assets;
  • Have large student loan debts and have been out of school for at least 7 years.

Ontario Bankruptcy is not the ideal solution for individuals who:

  • Have a high income;
  • Own significant assets;
  • Have shares in a corporation they must retain;
  • Have a professional designation or employment status that would be affected by bankruptcy;
  • Wish to operate a business.

Why You Should Use an Ontario Trustee in Bankruptcy

Ontario Bankruptcy Debt ReliefBankruptcy Cost: A bankruptcy is more affordable than using other Canadian debt relief professionals because Ontario trustees have their costs regulated by the federal government.

Trustees Offer Many Forms of Debt Advice: In addition to helping people who have debts they cannot repay file for bankruptcy, bankruptcy trustees also can provide credit and debt counselling, help you negotiate with your creditors and can help you with making a consumer proposal; if you file a consumer proposal you can avoid bankruptcy.

Relief from Creditors: Bankruptcy trustees can guarantee that your creditors will stop contacting you and attempting collection actions against you if you file for bankruptcy, and they are the only debt professionals who can guarantee your creditors will stop harassing you.

Ethics: Ontario Bankruptcy trustees may refer you to a lawyer if you need legal advice, and in many cases will advise people who come to see them that they can get out of their debts without having to file bankruptcy or make a consumer proposal. Trustees have the most stringent code of ethics they must follow.

Bankruptcy Trustees Are Professionals: Before a bankruptcy trustee can receive their trustee license they must pass a three year bankruptcy and law course and be investigated by the police. In addition to their university degree many trustees also have accounting certification.

Rebuild Your Credit Score Faster: By filing an Ontario bankruptcy or making a consumer proposal with the help of a trustee you can often rebuild your credit rating faster than if you use a credit counsellor.