Bankruptcy is a complicated process, involving you (the debtor), your creditors, the trustee, and the government. The rights of each party must be protected. If you believe you have grounds for any complaints, you must take steps to protect your rights. Keep careful records, including records of phone calls, and contact the relevant agency.
Creditors and collection agents are often perceived to harass and cause undue stress to debtors. Regulations differ from province to province, but in general collection agencies are not permitted to harass debtors. Harassment consists of frequent threatening calls. Collection agencies are only permitted to call you at certain times of day. Learn more about Ontario Collection Agencies.
If you are being harassed by a collection agency, your trustee will be able to help with the rules your courses of action. If you are not yet in contact with a trustee, in Ontario, complaints should be made to the Ontario Government at the: Ministry of Government and Consumer Services.
Student loans are managed by the federal and provincial government. If your student loan has been sent to the Canada Revenue Agency for collection, you must discuss repayment options as your student loan might not be erased in a bankruptcy. Go to the National Student Loan Service Centre for help or complaints.
Complaints about student loans or other government programs can be made to your provincial ombudsman. In Ontario, go to Ombudsman Ontario for complaints about Ontario government services. Complaints can also be made to your elected representative.
The Office of the Superintendent of Bankruptcy (OSB) supervises bankruptcies in Canada. All records are maintained by the OSB.
Trustees, who administer consumer proposals and bankruptcies, are licensed by the OSB. Trustees protect the rights of creditors, but also ensure that your rights are not being abused. If you feel that your rights are not being respected, you can make a complaint about your trustee.
Complaints about trustees can be directed to the Office of the Superintendent of Bankruptcy (OSB).
Extremely professional service by Mr. Thatcher and his team. Mr. Thatcher and his team were always available and quick to answer any questions concerning bankruptcy. I would highly recommend this company to anyone that would require his services!
I have worked with Kevin and his office for many years and would recommend his services to anyone who is having financial difficulties. He is very professional and has spent many years helping people get out of tough debt situation.
The staff at Kevin Thatcher & Associates are incredibly understanding, non-judgmental people who honestly advised me of all my options before I chose to go bankrupt. I was surprised at how easily they broke down the process for me step-by-step so I was able to meet all the requirements.
I just wanted to thank everyone at Kevin Thatcher and Associates for their help. I was at wit's end and couldn't cover most of my bills. I was afraid to answer the phone ever as it might be another collector calling! I was so depressed.
I was looking for a bankruptcy firm and was recommended Kevin Thatcher and Associates. I initially spoke with his pleasant and knowledgable staff(Anna) over the phone. I was very impressed by her and her soft approach being in a difficult situation.
Very kind, caring and helpful group at Kevin Thatcher and Associates.
I was in a real bind with a lot of debt from credit cards and payday loans but I met with Kevin and his staff were very understanding of my difficulties paying. I paid for 21 months under these federal income rules, but was way cheaper than if I did nothing.
Staff is extremely kind and knowledgeable! They took a stressful situation and made it more manageable, so thankful for their expertise.