Will creditors continue to harass me when I go bankrupt in Ontario?

No, your creditors cannot continue to harass you when you go bankrupt in Ontario. Once you are bankrupt, your creditors are required to contact your trustee, not you.

When you go bankrupt in Ontario, your trustee will notify all of your creditors that you have filed for bankruptcy.

By law, all legal actions against you, such as garnishments or collection activities, must stop once the bankruptcy documents are filed.

Creditors cannot start or continue any lawsuits, wage garnishees, or even telephone calls demanding payments.   Secured creditors, such as mortgage companies, must still be paid if you are keeping the secured asset (such as your car or house).

If creditors continue to harass you when you go bankrupt in Ontario, we recommend contacting a bankruptcy trustee. Your Ontario bankruptcy trustee will explain in more detail how to deal with creditors once the bankruptcy in Ontario is filed.