Question: Is your credit card debt wiped out when you file for bankruptcy in Ontario, or can the credit card company still demand payment?
Answer: Credit card debts are discharged when you go bankrupt or file a consumer proposal in Ontario.
The only exception would be if you have committed fraud. For example, if you bought a $3,000 big screen TV on your credit card the day before you filed for bankruptcy, that would be considered fraud, and you would be required to repay that amount.