What really surprised me about her bankruptcies was just how flippant she is about them. Telling us in yesterdays live how easy it is to get bankruptcy discharged in Canada, but also how easy it is to wipe it from your credit history. The latter would appear to be true given she has financed the Kia, and multiple phones, iPads etc since her 2018 filing. Mind you she couldn’t lease the villa in her name because of it, but insisted she had been approved for at least two Montreal studios.
Clearly she must be declaring some income to her trustee, because everyone needs some income coming into the household. For surplus income, when she lodged this bankruptcy she was still living with BiBi, so his income should have counted towards household income increasing her threshold to $2931/month, except the address she used wasn’t his. She really is committing frauds all over the shop.
Any excess income over $200/month extends the bankruptcy. First bankruptcy is extended to 12 months, with additional excess income payments required for a further 12 months after that. Second bankruptcies are extended for a total of 36 months.
I can't imagine bankruptcy operates on self-reporting. These are the type of people who put plastic wigs, plastic nails, fast food, and whores on a credit card. Not the most reliable of characters. Wouldn't an appointed trustee have access to her bank account information and be able to see her automatic deposits and garnish according to that month's amount?
It looks from this link that the trustee relies on pay stubs to determine surplus income payments required. There’s no way Chantal has been making adequate payments for the income she received, so it all really comes down to what she has reported as income and whether her creditors can find her income source.
Find out how much you have to pay if you go bankrupt in Canada and how to calculate your surplus income payments.
www.hoyes.com
Her comments yesterday seemed to suggest she could still add debts to her discharge amount (Naders iPad being a case in point), but surely a person wouldn’t be allowed to take out further credit while being an undischarged bankrupt and subject to surplus income payments. I’m honestly gobsmacked by how this creature has managed to mess up her finances to the extent she has when she must have had an insolvency trustee since the second lodgement date, and must not have been declaring her income to them for over four years now. Someone somewhere down the line must surely be going to ask her where her money comes from to live. The CRA is the prime candidate to do so given they data match all electronic cash transfers over $10k. If Chantal has been making as much as she claims, then the CRA know about it.
Cracking down on offshore tax evasion and aggressive tax avoidance
www.canada.ca
Just maybe, this all started catching up with her during the Nader era when her income peaked and the CRA tracked her down somehow, because clearly she’s not using her address for anything other than Ubereats. This bankruptcy has the potential to get very messy for her…in her case gaol-time messy if she’s not careful. I’d give myself a

if this was her first time on the bankruptcy merry-go round, but it’s her second, so she can hardly plead ignorance of the legal process involved. Do I think she’ll end up in goal, No…but her bankruptcy isn’t going to get discharged either. I suspect she’ll be hit with surplus payments for 36 months though.