Bankruptcy counseling is a crucial process for those who are in financial trouble. A qualified counsellor is a person with a counselling certificate from the Office of the Superintendent of Bankruptcy (OSB) who has completed at least 100 hours of training. The first stage of bankruptcy counselling is designed to educate the debtor about managing...

Bankruptcy counselling is an important step in the process of getting back on your feet after filing for bankruptcy. In order to make this step, you must first seek the help of a counselor, who will review your financial records and explain your options. For example, bankruptcy counsellors can suggest a debt management program or a budgeting plan....

In the United States, personal bankruptcy is a legal process wherein you file for personal insolvency and the court appoints a trustee to oversee your case. This trustee will collect payments and disburse them to creditors. In many cases, the debtor must begin making payments to the trustee within thirty days of filing the petition. In addition,...

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