{"id":6950,"date":"2022-01-21T14:48:18","date_gmt":"2022-01-21T19:48:18","guid":{"rendered":"https:\/\/pierreroy.com\/?p=6950"},"modified":"2022-01-21T14:48:18","modified_gmt":"2022-01-21T19:48:18","slug":"can-my-debt-discharge-be-challenged","status":"publish","type":"post","link":"https:\/\/pierreroy.com\/en\/2022\/01\/can-my-debt-discharge-be-challenged\/","title":{"rendered":"Can my Debt Discharge be Challenged?"},"content":{"rendered":"<p class=\"p1\">You dealt with the intense anxiety of having to pay off your debts for a very long time, and decided to take all of the necessary steps to get rid of them. After the struggle of paying back your debts on time and remaining frugal for so long, you finally succeeded and paid everything off and are free of your debts. You think it\u2019s high time you receive your debt discharge \u2014 except it\u2019s being challenged. So what happens next? Read on to find the reasons as to why your debt discharge is being challenged and the steps you need to take in order to finally be free.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><!--more--><\/p>\n<h2 class=\"p1\">What is a debt discharge?<\/h2>\n<p class=\"p1\">A debt discharge is the final process in your bankruptcy or consumer proposal. It occurs when all of your debts have been expunged. In a <a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/br02677.html\"><span class=\"s1\">bankruptcy<\/span><\/a>, a debt discharge will usually take between 9 to 21 months, whereas in a consumer proposal, your debts can be discharged after up to 5 years. Once all of your debts are paid off, the debt discharge will occur automatically and you will receive a certificate from your licensed insolvency trustee.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h2 class=\"p1\">When can a debt discharge be challenged?<\/h2>\n<p class=\"p1\">Unfortunately, things often aren\u2019t so simple and the certificate you\u2019ve been working so hard to receive might just be out of reach for a little while more. But you might be wondering, \u201cwhy is my discharge being challenged?\u201d There are a couple of possibilities.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h3>Not all involved are in agreement<\/h3>\n<p>The first one is that it\u2019s not just <a href=\"https:\/\/pierreroy.com\/en\"><span class=\"s1\">your trustee<\/span><\/a> who who needs to agree to your debt discharge. A debt discharge comes with a few conditions. The ones that must agree to it are your trustee, your creditors, and the Office of the Superintendent of Bankruptcy (OSB). Although it\u2019s rare, some creditors might oppose your debt discharge because they either don\u2019t fully comprehend the process, or because they believe they might receive more money from you if they contest it.<\/p>\n<h3>You haven\u2019t attended your meetings<\/h3>\n<p>In order to have your debts discharged, one of the conditions is that you have to attend <a href=\"https:\/\/www.ic.gc.ca\/eic\/site\/bsf-osb.nsf\/eng\/br03993.html\"><span class=\"s1\">two counselling sessions<\/span><\/a> that will how to budget and manage your money better for the future so that you don\u2019t find yourself in the same situation. These counselling sessions will either be held with your trustee or with someone they refer you to.<\/p>\n<h3>It\u2019s your second time declaring bankruptcy<\/h3>\n<p>Although first-time bankruptcies can take 9 to 21 months for the debt to be automatically discharged, a second time bankruptcy can be a lengthier process. For a second time bankruptcy, the process could last 24 months to 36 months depending on whether or not they need to make <a href=\"https:\/\/pierreroy.com\/en\/surplus-income-calculation\/\"><span class=\"s1\">surplus income<\/span><\/a> payments.<\/p>\n<h3>You have over $200,000 in income tax debt<\/h3>\n<p>If you have over $200,000 in income tax debt, then the decision for debt discharge won\u2019t be decided by your creditors or your LIT. Instead your debt discharge can only be approved after a court hearing, which will then determine what steps you need to take in order to be discharged.<\/p>\n<p class=\"p1\">If, after following these guidelines, you\u2019ve finally been cleared of your debt, but are worried about your credit score holding you back, <a href=\"https:\/\/pierreroy.com\/consultation-gratuite\/\"><span class=\"s1\">contact a licensed insolvency trustee<\/span><\/a> in order to receive the best plan of action for your personal situation. Your LIT will help you in your journey to acquiring a good credit score so that you can be financially stable, free of stress, and able to live your life without any constrictions.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You dealt with the intense anxiety of having to pay off your debts for a very long time, and decided to take all of the necessary steps to get rid of them. After the struggle of paying back your debts on time and remaining frugal for so long, you finally succeeded and paid everything off [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":6948,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47,44],"tags":[134,173,133,276],"class_list":["post-6950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-consumer-proposal","category-personal-bankruptcy","tag-bankruptcy","tag-budget-en","tag-consumer-proposal","tag-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Can my Debt Discharge be Challenged? - Pierre Roy &amp; Associ\u00e9s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pierreroy.com\/en\/2022\/01\/can-my-debt-discharge-be-challenged\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can my Debt Discharge be Challenged? - Pierre Roy &amp; Associ\u00e9s\" \/>\n<meta property=\"og:description\" content=\"You dealt with the intense anxiety of having to pay off your debts for a very long time, and decided to take all of the necessary steps to get rid of them. 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