Determining What Province To File For Bankruptcy

Which Province Should I Go Bankrupt In?

The financial realm can sometimes feel like a labyrinth. One wrong turn and you might find yourself facing a dead end. But, don’t lose hope! When it comes to Determining What Province To File For Bankruptcy, there is a clear path to follow. This article aims to guide you through the process.

Understanding Bankruptcy in Canada

Canada’s bankruptcy process is regulated through a federal legislation known as the Bankruptcy & Insolvency Act. This means, regardless of where you file for bankruptcy in Canada, it holds valid across all provinces. Even if you relocate during the process, you do not need to re-file in the new province.

Where To File For Bankruptcy?

The Bankruptcy & Insolvency Act dictates that you should file for bankruptcy in the “locality of the debtor.” This indicates the province where you have resided or conducted business for the past year. If this does not apply, you should file where the greater portion of your property is located.

Filing for Bankruptcy in Manitoba: A Case Study

Imagine you decide to file for bankruptcy in Manitoba. You are free to relocate to British Columbia during the bankruptcy proceeding. However, it’s crucial to keep your Trustee informed of any changes in your address or other contact details.

Role of Trustee

The Trustee is a key player in the process of bankruptcy. They handle the administration of your bankruptcy. Even if you move to another province, the administration will continue to be managed by the office where you filed initially.

Debt Counselling

An integral part of the bankruptcy process is debt counselling. It can be completed by another Trustee office if needed due to your relocation. However, the original office where you filed continues to administer your bankruptcy.

Key Takeaways

Here are some important points to remember on Determining What Province To File For Bankruptcy:


  • Bankruptcy in Canada is regulated by the Bankruptcy & Insolvency Act.
  • The Act stipulates that bankruptcy should be filed in the locality of the debtor.
  • You can move to another province during the bankruptcy process, but you need to keep your Trustee informed.
  • Debt counselling required during bankruptcy can be completed by a different Trustee office if relocation occurs.



Bankruptcy can be a complicated and stressful process. However, knowing where to file can make the process smoother. Always remember to keep your Trustee informed of any changes in your circumstances. Stay informed, stay prepared!

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