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Replying to @JLam61084 Can a Chapter 7 bankruptcy just get declined? Here's something that surprises people. You're entitled to a discharge under federal law. You're not asking a court for permission and you're not asking a trustee. If you pass the means test, you get to file. That's the rule. The only way a court steps in and takes that away is fraud. Hiding assets, lying on your schedules, that kind of thing. But here's the part people don't think through. Once you file a Chapter 7, you cannot
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Bankruptcy is NOT a strategy — it is the last resort. ⚠️ In this video I explain something most Canadians are never told until it’s too late: bankruptcy should be the absolute final option after every other financial and tax solution has been explored. Too many people rush into bankruptcy because they believe it will magically erase their problems. The truth is far more complicated — and often far more damaging. Many people assume that when they hire a bankruptcy trustee, that trustee is working
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