{"id":10985,"date":"2022-09-26T07:30:48","date_gmt":"2022-09-26T14:30:48","guid":{"rendered":"https:\/\/www.sands-trustee.com\/?p=10985"},"modified":"2025-08-05T17:44:51","modified_gmt":"2025-08-06T00:44:51","slug":"debt-forgiveness-personal-bankruptcy-step-by-step","status":"publish","type":"post","link":"https:\/\/www.sands-trustee.com\/blog\/debt-forgiveness-personal-bankruptcy-step-by-step\/","title":{"rendered":"How to Complete Personal Bankruptcy with Sands &#038; Associates"},"content":{"rendered":"<p>Personal bankruptcy in Canada is a legal solution that allows an individual to have their debts forgiven. You\u2019ll get immediate debt relief upon declaring bankruptcy, and work through the process to receive an official discharge (i.e., release) from bankruptcy. At that time your \u2018frozen\u2019 debts will be considered forgiven and legally written-off by your creditors.<\/p>\n<p>If you are struggling to meet your payments and other debt options are unsuitable, bankruptcy may be the best way to eliminate your debts and ultimately move forward with a financial fresh start. Read on to learn about declaring and completing bankruptcy with help from Sands &amp; Associates\u2019 Licensed Insolvency Trustees.<\/p>\n<h2>3 Steps to Starting a Personal Bankruptcy with Sands &amp; Associates<\/h2>\n<p>At Sands &amp; Associates we aim to have your official debt-free plan launched in three steps, whether you move forward with personal bankruptcy, or a\u00a0<a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/\">bankruptcy alternative like a Consumer Proposal<\/a>.<\/p>\n<p>You\u2019re in control of the timeline of these steps. We understand that once you\u2019ve made the decision to move forward with a debt solution you may want to get things moving right away:<\/p>\n<ul>\n<li>Sands &amp; Associates can work with you to have your bankruptcy made official in as little as 24 hours after your consultation should you have an urgent issue.<\/li>\n<li>Absent a pressing situation, most people will move through the following three steps within a week or two.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n<p><strong>Step 1: Have a Free Confidential Debt Consultation<\/strong><\/p>\n<p>You\u2019ll speak with <a href=\"https:\/\/www.sands-trustee.com\/how-we-help\/team\/\">a non-judgmental debt help expert at Sands &amp; Associates<\/a>. Together we can discuss any specific issues you are hoping to resolve, what debts you have, your general household and income situation, and any other details relevant to your circumstances.<\/p>\n<p>Licensed Insolvency Trustees and Insolvency Estate Managers are uniquely qualified to discuss all your debt management options with you and help you weigh the pros and cons of each. We\u2019ll review \u201cdo it yourself\u201d strategies as well as borrowing options, non-legal avenues, and legal solutions.<\/p>\n<ul>\n<li>It\u2019s important you get information about all your options so you can make a fully informed decision before moving forward. For example:\n<ul>\n<li>Many people who contact us seeking bankruptcy services find out bankruptcy is not the only solution that achieves the debt relief or protection they were seeking. More people actually choose to do Consumer Proposals to both consolidate their debt without borrowing \u2013\u00a0<em>and<\/em>have partial debt forgiveness without filing bankruptcy.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.sands-trustee.com\/personal-debt-consolidation\/consumer-proposals\/consumer-proposals-vs-bankruptcy\/\">Consumer Proposals VS Bankruptcy \u2013 Understand the Key Differences<\/a><\/p>\n<p>Personal bankruptcy is a federally legislated process, with small differences depending on which province or territory you reside in. Your <a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">free consultation<\/a> is key to ensuring you understand your options and how the process you choose will work for you and your unique situation.<\/p>\n<p style=\"text-align: center;\"><a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n<p><strong>Step 2: Collect and Review Your Financial Information<\/strong><\/p>\n<p>If you decide to move ahead with bankruptcy Sands &amp; Associates will prepare the required documents working closely with you. We will work together to complete a basic information form and gather relevant documents detailing your debts, income, and assets.<\/p>\n<ul>\n<li>We\u2019ll have our second meeting together to go over these materials and gather any missing details. Don\u2019t worry if paperwork is not something you\u2019re confident with, we\u2019re here to help you.<\/li>\n<\/ul>\n<p>After this second meeting your Licensed Insolvency Trustee or Insolvency Estate Manager will prepare your bankruptcy documents.<\/p>\n<p><strong>Step 3: Sign Your Official Bankruptcy Documents with Your Licensed Insolvency Trustee<\/strong><\/p>\n<p>After you\u2019ve signed your official bankruptcy documents (<a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">in-person and virtual appointments are available<\/a>), your bankruptcy will be registered with a branch of Industry Canada called the Office of the Superintendent of Bankruptcy. This is the government body that provides oversight of all filings Licensed Insolvency Trustees do (all proposal types, bankruptcies, etc.).<\/p>\n<p>Three steps done \u2013 your personal bankruptcy is signed, filed and official, and debt relief protections are all immediately in place!<\/p>\n<p style=\"text-align: center;\"><a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n<h2>How to Finish Personal Bankruptcy<\/h2>\n<p>In Canada personal bankruptcy is usually a straightforward and short-duration financial process. You can generally expect privacy, and most people Sands &amp; Associates works with retain all their assets and receive a discharge from bankruptcy in just\u00a0<em>nine months<\/em>.<\/p>\n<p>Here are some of the key things that happen during those nine months:<\/p>\n<ol>\n<li><strong>Once your bankruptcy is official your Licensed Insolvency Trustee will take over communications with your creditors, sending them notice (usually electronic) of your bankruptcy.<\/strong><\/li>\n<\/ol>\n<p>Bankruptcy\u2019s legal protection is effective immediately and creditors included in your bankruptcy must stop contacting you for payment, charging interest and other fees, and\u00a0<a href=\"https:\/\/www.sands-trustee.com\/blog\/an-overview-of-wage-garnishment-in-bc\/\">halt legal actions including wage garnishments<\/a>, bank account freezes and other collections.<\/p>\n<ul>\n<li>Your debt payments should have stopped by the time you sign your official bankruptcy documents.<\/li>\n<li>Creditors cannot prevent you from seeking the shelter of bankruptcy; they can\u2019t simply \u201copt out\u201d and continue pursuing you for repayment.\n<ul>\n<li>Borrowing agreements for <a href=\"https:\/\/www.sands-trustee.com\/faq\/can-i-keep-car-mortgage-bankruptcy\/\">debts tied to assets like a vehicle loan or mortgage<\/a> should continue uninterrupted unless you decided not to keep these financing arrangements ongoing.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n<ol start=\"2\">\n<li><strong>You\u2019ll complete a basic monthly budget form detailing your household\u2019s income and expenses.<\/strong><\/li>\n<\/ol>\n<p>Using this \u2018Statement of Income and Expenses\u2019 budget, your Trustee will calculate whether your income is higher than the government\u2019s low-income guideline. If so, you will asked to pay to the Trustee what\u2019s called \u2018<a href=\"https:\/\/www.sands-trustee.com\/faq\/what-is-surplus-income-bankruptcy\/\">surplus income<\/a>\u2019.<\/p>\n<p>Surplus income (or lack thereof) will determine both how long you will be \u2018in bankruptcy\u2019 and how much you pay in bankruptcy each month. Usually:<\/p>\n<ul>\n<li>Surplus income means a bankruptcy term of 21 months<\/li>\n<li>No surplus income means a bankruptcy term of 9 months<\/li>\n<\/ul>\n<ol start=\"3\">\n<li><strong>Make regular payments to your Trustee for the <\/strong><a href=\"https:\/\/www.sands-trustee.com\/blog\/how-much-does-it-cost-to-file-personal-bankruptcy\/\"><strong>cost of your bankruptcy<\/strong><\/a><strong> (or surplus income).<\/strong><\/li>\n<\/ol>\n<p>Most people who anticipate having surplus income choose to do Consumer Proposals instead of bankruptcy, as they are often confident in being able to afford repaying a portion of their debt.<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/debt-options-calculator\/\">Compare the Monthly Payment of 4 Different Debt Solutions<\/a><\/p>\n<ol start=\"4\">\n<li><strong>Stay in touch with your Trustee and fulfill other key commitments to receive your discharge from bankruptcy.<\/strong><\/li>\n<\/ol>\n<p>These generally include:<\/p>\n<ul>\n<li>Completing two <a href=\"https:\/\/www.sands-trustee.com\/blog\/financial-credit-counselling-qualified-insolvency-counsellor\/\">private financial counselling sessions one-on-one with a Qualified Insolvency Counsellor from Sands &amp; Associates<\/a>.\n<ul>\n<li>These 30-45-minute sessions focus on resources to boost financial skills like budgeting, saving and credit building. If there are any other financial areas you want to focus on, we\u2019ll offer additional support wherever possible.<\/li>\n<\/ul>\n<\/li>\n<li>Supplying your Trustee with the information and documents needed to <a href=\"https:\/\/www.sands-trustee.com\/blog\/what-happens-to-tax-filings-consumer-proposal-or-bankruptcy\/\">file your taxes for the year your bankruptcy starts<\/a>. We\u2019ll file tax returns required for the year of your bankruptcy, and help you get caught up on prior year returns that might be outstanding too.<\/li>\n<\/ul>\n<p>Your Licensed Insolvency Trustee or Estate Manager is here for you throughout the bankruptcy process, start to finish. We want you to have a stress-free experience and exit bankruptcy in the shortest time possible to get your financial fresh start and\u00a0<a href=\"https:\/\/www.sands-trustee.com\/blog\/bankruptcy-success-story-meet-suzanne\/\">move forward with your life<\/a>, debt-free.<\/p>\n<p style=\"text-align: center;\"><a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n<h2>Recap the Timeline for a Typical Personal Bankruptcy<\/h2>\n<p>Depending on your situation, you could be totally debt-free in as little as nine months after your debt consultation with Sands &amp; Associates:<\/p>\n<ul>\n<li>Have a consultation, gather your financial information, then sign your bankruptcy documents \u2013 and stop making your regular debt payments<\/li>\n<li>Over the next nine months work through the bankruptcy process<\/li>\n<li>Once all your duties are complete and nine months passed, you\u2019ll receive an official Certificate of Discharge, and your unpaid debts will be considered forgiven and legally written-off by your creditors<\/li>\n<\/ul>\n<h2>Learn More About Bankruptcy and Other Options for Debt Forgiveness<\/h2>\n<p>We understand no one wants to be in a position where they are considering bankruptcy, and we believe our supportive non-judgmental approach to debt help allows our clients to move forward with dignity, confidence and hope for the future.<\/p>\n<p>In 30 minutes we can help you explore your options, including but not limited to personal bankruptcy, and provide you with a plan to deal with your debt for good.<\/p>\n<p style=\"text-align: center;\"><strong>Choose the debt-free plan that\u2019s right for you. Sands &amp; Associates\u2019 caring non-judgmental debt experts are here to help you. <\/strong><br \/>\n<a class=\"red-button\" href=\"https:\/\/www.sands-trustee.com\/free-debt-consultation\/\">Book Your Free Consultation<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Personal bankruptcy in Canada is a legal solution that allows an individual to have their debts forgiven. You\u2019ll get immediate debt relief upon declaring bankruptcy, and work through the process to receive an official discharge (i.e., release) from bankruptcy. At that time your \u2018frozen\u2019 debts will be considered forgiven and legally written-off by your creditors. [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":12463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[258],"tags":[38,39,37,53,117,120,50,242,295,238,305,42,296,204,35],"class_list":["post-10985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankruptcy","tag-bankruptcy-bc","tag-bankruptcy-trustees","tag-consumer-proposals","tag-credit-card-debt","tag-credit-counselling","tag-credit-counsellor","tag-debt","tag-debt-advice","tag-debt-forgiveness","tag-debt-help","tag-debt-relief","tag-debt-settlement","tag-debt-stress","tag-licensed-insolvency-trustee","tag-sands-associates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Start and Finish Bankruptcy | Sands &amp; Associates BC<\/title>\n<meta name=\"description\" content=\"Understand the start to finish process of debt forgiveness through declaring personal bankruptcy, with help from Sands &amp; 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