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This is a guest Editorial by Murray Morisson. Murray is the type of person you should go to first when in financial difficulty. His office has a credit counselling service as well but the main thing is that if you contact a bankruptcy "lawyer" first, rather than a bankruptcy trustee, you are now dealing with a person who is working for you, not the creditors. The sad part is that the trustee's job is to get the most for the creditors while treating you with your rights under the law. Unfortunately, things that you tell your trustee may backfire. My advice is to see a lawyer like Murray Morrison FIRST.
To read about my own experience as published in the Western Investor, go to the end of Muray's article.
As is so often the case, our Federal Government recently passed (but didn’t proclaim) wholesale amendments to the
Bankruptcy and Insolvency Act.
In this Article, it is just referred to as the "Act".