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

No, your creditors cannot continue to harass you when you go bankrupt in Quebec. After you have filed for bankruptcy, your creditors must not contact you. All communication must be done through the trustee.

When you go bankrupt in Quebec, your trustee will inform all of your creditors of your bankruptcy.

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

Creditors are not permitted to start or continue any lawsuits, wage garnishees, or even contact you by phone demanding 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 Quebec, we recommend contacting a bankruptcy trustee. Your Quebec bankruptcy trustee will explain in more detail how to deal with creditors once the bankruptcy in Quebec is filed.