Getting Legal Aid Accessing Legal Aid In Person Phone At the Courthouse Eligibility Emergency Situations Emergency Protection Orders Detainees Services For Youth What's Next? Legal Info Q & A Criminal Law Debt Family Law Human Rights Wills & Estates Home > Getting Legal Aid > Legal Info Q & A > Debt Debt 1.) Bankruptcy What is bankruptcy? What is the bankruptcy process? What is summary administration? What is the role of a trustee? Do I have to use a trustee? How do I find a trustee? What do I do if I think my trustee isn't doing a good job? What is the role of an inspector? How long will a bankruptcy take? What is my role during bankruptcy? How much does bankruptcy cost? What assets can I keep? What happens to my wages? What happens to property that I own jointly or to loans someone else guaranteed? Will I get credit afterwards, and when? Are there debts that don't go through bankruptcy? When is bankruptcy a good idea? 2.) Credit Counselling What is the Orderly Payment of Debt (OPD) program? What types of debt does the OPD program deal with? How is my credit score affected by going through the OPD program? Does it cost anything to go through the OPD program? Can I get kicked out of the OPD program? Will I get financial counselling while I am in the OPD program? Why should I go through the OPD program instead of through bankruptcy? How do I apply for the OPD Program? 3.) Foreclosures What happens if I miss a mortgage payment? What are considered "costs"? What happens if I abandon my house? What happens if I damage my property before I leave? What property can I take with me when I am forced to vacate my home? What happens if I refuse to vacate my home when ordered to do so? How long can I spin the foreclosure process out? What does the foreclosure process entail? 4.) Maintenance Enforcement What is maintenance enforcement?   >>Back to Q & A - Main