Question: I’m almost at the point of being discharged from bankruptcy, but there is one persistent company that is still sending the monthly statement, after repeatedly being advised of the situation. I understand that they are in violation of the bankruptcy act??? and should be reported to the Ministry of Consumer & Commercial Relations Ontario. Would you please advise what steps to take to stop the mailings? All the others stopped ages ago. Thank you.
Answer: The first step is to contact your bankruptcy trustee, and ask them to contact the creditor. Send the statement to your trustee so that they have the correct account information, and then ask your bankruptcy trustee to send your “creditors’ package” to that creditor. The trustee may also need to phone the creditor to get them to stop sending the statements.
If the debt existed prior to when you filed for bankruptcy in Ontario, the debt is included in your bankruptcy, whether or not the creditor continues to send you statements, so it’s not something to be overly concerned about; eventually the creditor will stop sending the statements.