Frequently Asked Questions

I Don’t Know What to Do?

Call for a free consultation to explore the options available.

Where Do I Go?

Licensed insolvency trustees are listed in the SuperPages phone book or online at

The Creditors are Calling?

The collection process can be stayed (stopped) by any of the alternatives under the Bankruptcy and Insolvency Act.

The Bank is Coming to Collect My Car, What Do I Do?

A debtor has rights under the Civil Enforcement Act of Alberta, and you should contact a lawyer or a trustee for a consultation as to your rights.

How Do I Stop This?

Call for a free initial consultation.

Who Can Help?

Fox-Miles & Associates can explain the process, so that you can make an informed decision.

I’ve Lost My Job and Can’t Pay the Bills?

Call Fox-Miles & Associates to see what your options are.

Who Knows About My Bankruptcy/Proposal?

All your creditors receive notice of the proceedings and the process is a matter of public record.

How Long Does It Take?

Bankruptcy takes a minimum of 9 months. Consumer proposals can take up to 5 years. Bankruptcy is not the only solution; call Fox-Miles & Associates to explore all your options.

What are the Changes That Came Into Effect September 18th, 2009?

A first time bankrupt, who has excess income, according to the Superintendent of Bankruptcy, must pay their excess for 21 months. A second time bankrupt must pay their excess for 36 months, to qualify for an automatic discharge.

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