Chantal Sarault / Chantal Al-Refae / Foodie Beauty - Delusional drug fiend hamplanet mukbanger from Canada trying to be a glamorous online influencer. Pathological liar, huge bitch, narcissist, animal abuser

Stolen from Reddit. Texts between Orko and Sam from October predicting Chantal’s future Kuwait arc:

A2D99928-5BE0-4ACF-82C8-44D4ECDC381A.jpeg
 
One of those things is making "Excess Income Payments". Essentially part of your bankruptcy agreement is that creditors have to back off you, but 50% (half) of any money earned over a determined amount a month, you have to pay to the trustee...who uses it to pay back some of your debts.

Chantal has JUST BRAGGED that she's still making 12k a month, and we know her revenue is down. The "excess income" for a single person is just $2355 a month (after taxes). So any earnings AFTER that Chantal must make payments of 50% of any excess income to her trustee. At her CURRENT admitted income level she is making 8000-9000 more a month that would qualify as "excess income" to make payments on depending on taxes. The math is below, but..
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?
 
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?
At least here in the states, governments can contact the person's employer and garnish the wage before the payment is sent to the employee. My company went through that with an employee who owed child support and wasn't paying on his own--they reached out and gave us instructions. Had we not complied with their request we'd have been in trouble ourselves. I imagine Canada's tax authorities could contact Google to accomplish similar if they so chose.
 
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 probably does require self-reporting any changes/updates. Hell the legal system requires sex offenders to self report new addresses.

In Canada you actually choose your trustee who is a banker that files for bankruptcy on your behalf, and is supposed to manage it. (not a lawyer like in US). They are licensed administrators by the court. They only go to a judge when shit goes out of the norm.

Chantal likely registered with her trustee, maybe even the same one as last time i didnt check. The trustee looked at her, looked at all the frivelous credit card debt and lack of a job and wrote her off as a deadbeat that would never have any money to go after...and probably put the file at the back of cabinet.
Now its time for the trustee to review everything and discharge the bankruptcy they likely then pulled her finances, tax history etc to make check that everything was as they had assumed, no income etc deadbeat. They probably pulled her taxes and bank statements and thats why its now going to a judge instead of automatic dismissal.
More about trustees here https://bankruptcy-canada.com/bankruptcy/what-is-a-trustee-in-bankruptcy/

At least here in the states, governments can contact the person's employer and garnish the wage before the payment is sent to the employee. My company went through that with an employee who owed child support and wasn't paying on his own--they reached out and gave us instructions. Had we not complied with their request we'd have been in trouble ourselves. I imagine Canada's tax authorities could contact Google to accomplish similar if they so chose.

All Google adsense/youtube payments are direct deposited to your bank account. The bank would be seeing that influx of money. The CRA (Canadian Revenue Agency) would be able to determine where that money was coming from.An audit would easily see all that income, but there would need to be a reason to LOOK. This is where the Trustee's review may have triggered something causing it to go to court, by not seeing excess income payments, and pulling the bank statements and seeing all the cash influx.

They wouldnt contact google unless they thought the money was from an illicit source, to confirm it wasnt laundering/drug/gun running whatever. They can see the income in her bank account thats where they'd stay, since Youtube is a US company why bother.
 
Last edited:
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.

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.

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.
 
Last edited:
We all know that she won’t have declared her YouTube income, I hope that someone has flagged this and she is in the shit for it. How can she have afforded to give her new rent boy $9,000 when she got to Kuwait for him to “ invest” in his shitty perfume venture ? . Chinny lies and hasn’t two brain cells to rub together.
 
Is that why everyone keeps saying 12k a month is 120k per year or is that some strange American math?
I asked if Chantal really said that. I couldn't believe she could actually be that stupid and then I remembered that yes, she can.

I'm probably late as hell on this, but hasn't it occurred to this khinzayra that between her and Aalah, she's the one who's the woman? In Kuwait? With a possible bidoon for a pretend husband? I guess Aalah isn't Kuwaiti either, but at least he's a man. In Kuwait. For Pete's sake, Chantal, shut your fat mouth before you end up being hanged from a crane. I'm holding out for when you and Peetz go out in a murder/suicide.
 
We all know that she won’t have declared her YouTube income, I hope that someone has flagged this and she is in the shit for it. How can she have afforded to give her new rent boy $9,000 when she got to Kuwait for him to “ invest” in his shitty perfume venture ? . Chinny lies and hasn’t two brain cells to rub together.
is that why she deleted most of her videos? does she think it will hide her youtube income?
 
is that why she deleted most of her videos? does she think it will hide her youtube income?
No, she's hiding her past.

Chantal is flippant about her bankruptcies because she's a complete moron who never faces any consequences. I know everyone here would only consider bankruptcy as a very desperate last resort because of the consequences later in life. But this idiot has two and that's likely why she doesn't panic about money the way normal people do, she has an out. She'll declare another one if she has to because Chantal isn't responsible for anything, including herself, so what are consequences to her? Nothing. Peetz will bail her out. Or Smee. Or god forbid, Bibi. Regardless, someone will. Canadian taxpayers may have to.

Do we know for sure there's a hearing or is it just something Chantal said? Because she's lied about having her taxes fixed up before, she says shit so people will stop harping on her and her idiot husband-child will believe that she's going to bring him to the promised land.
 
is that why she deleted most of her videos? does she think it will hide her youtube income?
She deleted all those videos because she was trying to delete her past life, and start afresh with a new image.

It’s too late now for her to hide her YouTube income. Once she hit $10k in income in a month, her bank was required to notify the CRA…and every deposit over $10k will have been reported. The CRA will want to know what those payments were for. As soon as she lodges a tax return, she’ll be flagged for an audit. Love that for her.

ETA
Do we know for sure there's a hearing or is it just something Chantal said? Because she's lied about having her taxes fixed up before, she says shit so people will stop harping on her and her idiot husband-child will believe that she's going to bring him to the promised land.
It’s just something she’s said…and she’s changed it from bankruptcy court to a tax hearing, and back again. I doubt she has any hearing at all. The 29th is too convenient a date given she gets back the day before. Not sure exactly who the lie is for though, her hayders that were asking questions after the second bankruptcy news broke…or Salah.
 
Last edited:
It’s just something she’s said…and she’s changed it from bankruptcy court to a tax hearing, and back again. I doubt she has any hearing at all. The 29th is too convenient a date given she gets back the day before. Not sure exactly who the lie is for though, her hayders that were asking questions after the second bankruptcy news broke…or Salah.
The lie is for the haydurs and Salad. She wants us all to shut up and him to stick around. Cow tipper or not, don't care, I'll love Perfectly Imperfect forever for digging up that news. Chantal was not prepared for that and it was finally some "tea" (ugh) that wasn't Nader releasing voice texts of shit we already knew.
 
Back