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Discharge the second mortgage and keep the house!

Discharging a Deed of Trust in bankruptcy! A second or third mortgage can be stripped off the title of your home, and discharged as unsecured debt in a chapter 13 bankruptcy. Imagine, your house is worth less than you owe, […]
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Credit after bankruptcy – Yes you can!

After a debtor receives a discharge in bankruptcy, creditors whose debts are discharged are required to report that the account has a zero balance. The fact of the filing itself can remain on the credit report for 10 years from […]
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Criminal charges may keep you out of Canada

I’m a US Citizen and I have married a Canadian lady in Los Angeles. I want to live in Canada and start the immigration processing but I am afraid that I will be denied. I was charged with a serious […]
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No job offer required to pass express entry

By Atty. Henry Moyal I’m a mechanical engineer with several years of work experience abroad. I have no work experience in Canada. I tried to apply under the old Federal Skilled Worker program but my application was returned because of the quota. […]
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Employment agency must be stopped

Q. I’m a nurse by profession. I was convinced by a distant relative to apply for a work permit in Canada to work as a personal support worker outside the Toronto area. The job offer was to work for a nursing home and company […]
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Is bankruptcy the right thing to do?

Ask yourself the following: Are you heavily in debt, with little prospect of relief in the near future? Have you had, or are your creditors threatening, a foreclosure on your home, a repossession of your car or other legal action […]
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When you can’t pay your business debts!

(Personal Liability and Bankruptcy Options) If your business is in distress – you owe a lot of money but you can’t pay, your creditors will probably threaten legal action against you personally. How much they can collect, and how they […]
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Exemption for caregiver renewals has been removed

Q. I entered Canada to work as a live in caregiver in August 2013. I worked for over a year and then my employer passed away. After many months I finally found a new employer to hire me. I want to work […]
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What happens to my car if I file bankruptcy?

There are several issues to consider in answering this question. The most important point is the value of your car. In most cases, you can protect your car using the allowable bankruptcy code exemptions. An exemption allows you to file […]
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Renewing permanent resident card can be challenging

By Atty. Henry Moyal Q. I became a permanent resident in March 2010 with my wife and daughter. We entered Canada for over a few months and returned to the Philippines in May 2010 to look after our business. We have been back to Canada several […]