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	Comments on: Free Bankruptcy Counselling &#038; Alternatives that Work	</title>
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		By: CCS		</title>
		<link>https://nomoredebts.org/blog/bankruptcy/free-bankruptcy-counselling-and-alternatives#comment-34134</link>

		<dc:creator><![CDATA[CCS]]></dc:creator>
		<pubDate>Fri, 21 Jul 2023 18:37:00 +0000</pubDate>
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					<description><![CDATA[In reply to &lt;a href=&quot;https://nomoredebts.org/blog/bankruptcy/free-bankruptcy-counselling-and-alternatives#comment-13022&quot;&gt;Rosemary&lt;/a&gt;.

 Hi Rosemary, We would suggest that you contact the bankruptcy trustee that you originally worked with and explain the situation. He or she will then be able to advise you of options that may be available to you. This situation is outside of our expertise, but we do know that sometimes – depending on the situation – it may not be worthwhile for a bankruptcy trustee to bother with the hassle and expense of selling a foreign property. At the time of your bankruptcy, if you didn’t have much equity in the property, there were other owners, or selling the property would take too long or involve too much expense, the trustee could determine that selling the property isn’t the best option. There is also the chance that you may be able to keep the house by paying the creditors for whatever amount of equity you had in the home at the time of the bankruptcy. Another question is whether you ever plan to live in Canada again? If you don’t, then no one in Canada can force you to sell your home. We cannot advise you on any of these matters as we are not licensed insolvency trustees nor are we lawyers who are qualified to comment on such matters. So please do not take any of this as advice. Contact the bankruptcy trustee who took care of your bankruptcy and have a discussion with him or her about all this and see what they suggest. They are the only ones who are qualified to advise you on this.]]></description>
			<content:encoded><![CDATA[<p>In reply to Rosemary.</p>
<p> Hi Rosemary, We would suggest that you contact the bankruptcy trustee that you originally worked with and explain the situation. He or she will then be able to advise you of options that may be available to you. This situation is outside of our expertise, but we do know that sometimes – depending on the situation – it may not be worthwhile for a bankruptcy trustee to bother with the hassle and expense of selling a foreign property. At the time of your bankruptcy, if you didn’t have much equity in the property, there were other owners, or selling the property would take too long or involve too much expense, the trustee could determine that selling the property isn’t the best option. There is also the chance that you may be able to keep the house by paying the creditors for whatever amount of equity you had in the home at the time of the bankruptcy. Another question is whether you ever plan to live in Canada again? If you don’t, then no one in Canada can force you to sell your home. We cannot advise you on any of these matters as we are not licensed insolvency trustees nor are we lawyers who are qualified to comment on such matters. So please do not take any of this as advice. Contact the bankruptcy trustee who took care of your bankruptcy and have a discussion with him or her about all this and see what they suggest. They are the only ones who are qualified to advise you on this.</p>
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		<title>
		By: Rosemary		</title>
		<link>https://nomoredebts.org/blog/bankruptcy/free-bankruptcy-counselling-and-alternatives#comment-13022</link>

		<dc:creator><![CDATA[Rosemary]]></dc:creator>
		<pubDate>Fri, 21 Jul 2023 06:37:00 +0000</pubDate>
		<guid isPermaLink="false">https://nomoredebts.org/?page_id=23402#comment-13022</guid>

					<description><![CDATA[ I claimed bankruptcy back in 2018.
Honestly I do not remember anywhere in the paperwork I filled where it stated I must enclose property in another country.
I don’t remember my trustee asking me this question.
I own property in another country during my bankruptcy which I did not claim. 
My ex husband who was in bankruptcy at the same because we got divorced because he was having an affair. At the end of three years he lost everything home, company, financial distress.  He is threatened to report to the bankruptcy commission for fraud. 
I would like to know how to solve this matter as quickly as possible but I must tell you I have no money to pay for a bankruptcy lawyer or to repay him or another creditor.
You must be able to maintain a place to live even if it’s outside of Canada. I can’t afford to live in Canada, housing is much cheaper where I bought and I would like to know what is the process of clearing up this matter. I don’t understand how it’s determined how much of house value is exempt from bankruptcy. 
I would truly appreciate your response to this horrible situation my ex has put me. 
I know he received a small inheritance and owns a property in Nova Scotia.

Thank you and will look forward to your assistance regarding this issue]]></description>
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</p>
<p> I claimed bankruptcy back in 2018.<br />
Honestly I do not remember anywhere in the paperwork I filled where it stated I must enclose property in another country.<br />
I don’t remember my trustee asking me this question.<br />
I own property in another country during my bankruptcy which I did not claim.<br />
My ex husband who was in bankruptcy at the same because we got divorced because he was having an affair. At the end of three years he lost everything home, company, financial distress.  He is threatened to report to the bankruptcy commission for fraud.<br />
I would like to know how to solve this matter as quickly as possible but I must tell you I have no money to pay for a bankruptcy lawyer or to repay him or another creditor.<br />
You must be able to maintain a place to live even if it’s outside of Canada. I can’t afford to live in Canada, housing is much cheaper where I bought and I would like to know what is the process of clearing up this matter. I don’t understand how it’s determined how much of house value is exempt from bankruptcy.<br />
I would truly appreciate your response to this horrible situation my ex has put me.<br />
I know he received a small inheritance and owns a property in Nova Scotia.</p>
<p>Thank you and will look forward to your assistance regarding this issue</p>
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