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Welcome to the Bankrupt Car Loans Bankruptcy Tips page. Here you will find common sense and not so common sense tips and advice for Canadian bankruptcy and consumer proposals. As always, our goal at is to provide Canadians with bad credit access to real bankruptcy information and advice for financing a car loan in bankruptcy or after bankruptcy. For more bankruptcy information and to help combat common myth see our Bankruptcy FAQ and Bankruptcy Myths pages.

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Please, please always make sure that the decision to file bankruptcy is your decision and that it make sense to you. Its very important and required that you work closely with a Trustee in Bankruptcy or a certified Credit Counsellor, however its just as important that you understand the process and how it will affect you.

If a trustee in ian Cognito Death Video is suggesting you file bankruptcy, don’t just nod your head. Ask questions and make sure you understand what they are telling you, then apply it to your situation. It is the trustees job to make sure you do whats best for you but at the end of the day, you’re the one responsible for you!  Since you know yourself and your situation better than anyone, its up to you and you alone to make the right decision.

Here is an example of making a decision that could have an impact on getting a car loan in bankruptcy or even after ian Cognito Death Video.

If you file a Consumer Proposal or Bankruptcy for $20,000 or less, then some banks will consider it too much of a risk to finance you a car loan. Why? Because you’re probably looking to finance a car loan between $10,000 to $25,000. If you made the decision to file bankruptcy for  a such small amount, then the bank or auto finance company could consider that you might do it again, only this time with their car loan at the center of it.

If you can’t afford $15,000 or $2o,000 in total ian Cognito Death Video , then you may not be able to manage a car loan either. At least that is how the banks or auto finance companies will look at it. So if you’re about to file bankruptcy, consider how other institutes like the bank will look at it.

For some people $20,000 is alot of money, however, for others it might be considered a manageable amount of money. Filing bankruptcy is about your situation, so make sure the amount you file bankruptcy for is suitable to your situation. If you think you can handle $20,000 in debt outside of a bankruptcy or Consumer Proposal, then you’re probably better off not filing bankruptcy.

ian Cognito Death Video, if you are certain you will not be able to pay it off and you see yourself struggling, missing payments and possibly having assets repossessed, then for your situation file bankruptcy might be the right decision.

There is no easy answer to: Should I file Bankruptcy? So always make use of the resources available to you. Try using the internet,, advice from people you trust or if possible borrowing money from family & friends. If you did your homework and you apply everything  to your unique situation, then the decision you make is more likely to be the right one!

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Yes its common sense but it still has to be said. So here it is: If you’re in a bankruptcy or consumer proposal, it is very important you make your bankruptcy payments to the trustee, always!

If you miss your trustee payments in Bankruptcy you’re at risk of delaying your discharge, defaulting on your bankruptcy and possibly hurting your chances of getting a bankrupt car loan.When you file bankruptcy, you’re agreeing to make a regular payment to your trustee. Please make sure you can manage that payment.A well paid bankruptcy is just as important as a well paid car loan.

Only file Bankruptcy if you understand bankruptcy

If you think you’re ready to file bankruptcy then your first obligation is to understand it. Many people in Canada needless file bankruptcy each year. If you are not educated about personal bankruptcy or aware of its ramifications, then you’re probably not ready to make the choice. The decision to file bankruptcy is important and it can  either help you or hurt you. If you don`t understand bankruptcy and how it works then its possible you`ll make the wrong decision.

A very common mistake made by Canadians filing  is to remain ignorant about bankruptcy and what bankruptcy means. Please, if you`re considering bankruptcy make sure you educate yourself or seek counsel from a qualified bankruptcy professional.

Don’t inflate your debt before bankruptcy


ian Cognito Death Video it or not  people go out of their way to make bankruptcy worse for themselves.

Occasionally individuals that are preparing to file bankruptcy or know filing is inevitable actually choose to rack up more debt and exhaust their credit supply by excessively spending. This rare but occasionally practiced exercise is both dangerous and stupid.

Filing bankruptcy in Canada does offer protection from credits and a chance to rebuild your bad credit but it is not a free pass. The more debt, especially unsecured debt, you bring into bankruptcy the greater your responsibility.


If you know you’re going to file bankruptcy, then choose to be responsible and limit your use of credit.

Avoid Bankruptcy in Canada

Short and sweet: Do your best to avoid filing bankruptcy. While bankruptcy for many Canadians is often unavoidable, there are still many steps you can take to avoid it. Speak with a trusted friend or bankruptcy professional and ask for help or advice. Reaching out is always the first (and sometimes the hardest) step!

Getting educated about bankruptcy and Canadian bankruptcy laws might just help you avoid filing bankruptcy!

Choose Bankruptcy or Consumer Proposal – Not both

The new Canadian bankruptcy laws make filing bankruptcy more difficult and filing a consumer proposal easier. There are still however many consumers in Canada that file both a consumer proposal AND a bankruptcy. How do you file bankruptcy and consumer proposal?

Its never intentional but a typical scenario involves an individual working with a trustee in bankruptcy and filing a consumer proposal that they were not committed to or unable to complete. Once the person decides that the consumer proposal they signed off on is either too much work (consumer proposals often last 5 years and have larger monthly payments) or they cannot continue to maintain their payments they decide to turn their consumer proposal into a bankruptcy.

While a proposal to bankruptcy scenario is common, it is not ideal. Bankruptcies and consumer proposals in Canada both report to the credit bureau and so will a proposal to bankruptcy.

While it might be obvious that the bankruptcy on your credit bureau is also the consumer proposal on your credit file, it is still an example of either a careless decision or the inability to complete your obligations.

If you think a consumer proposal is too long or too much and you have the option to file bankruptcy, consider it seriously – its much better than filing both!

File bankruptcy once

Learn lessons from your bankruptcy and remember to avoid the bad credit mistakes you made the first time around. Do you best to rehabilitate your credit and use bankruptcy as a teachable moment!

If you file bankruptcy more than once, please make sure multiple bankruptcies are necessary in your financial situation and not the result of repeating your previous mistakes!

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