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

No, your creditors cannot continue to harass you when you go bankrupt in Manitoba. Once you file for bankruptcy your creditors may not contact you, and must communicate through your trustee.

When you go bankrupt in Manitoba, your trustee will let all of your creditors know that you have filed for bankruptcy.

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

Creditors may not continue any lawsuits, wage garnishees, or even contact you by telephone to demand 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 Manitoba, we recommend contacting a bankruptcy trustee. Your Manitoba bankruptcy trustee will explain in more detail how to deal with creditors once the bankruptcy in Manitoba is filed.