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

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Transferring a large sum of money to your foreign non-Canada-residing boyfriend/ fiancé / "husband" during or on the verge of filing bankruptcy? Does Canada not have fraudulent transfer/conveyance laws?

It's up to the bank if they accept payments or check in foreign currency. Not all of them accept USD for example. International is probably a whole other account all together.

 

[DefCon Dumb]

Any transaction $10,000 or over is submitted to the FinTrack system, (not optional) & over time, if the relevant computer systems think a pattern is spotted or the name attached to the account(s) come up on other matters, it's chased down. Again, this type of stuff gets triaged because going through accounts takes a warrant & banks with the help of their legal staff, know how to drag that out. Once obtained, a visual line item by line item perusal takes place.

I have no idea if this type of info is cross referenced to current bankruptcy proceedings. But considering everything financial is linked to the Canadian SSN, I can't see it not being available to bankruptcy trustees.

 

[Friend of Dorothy Parker]

It's up to the bank if they accept payments or check in foreign currency. Not all of them accept USD for example. International is probably a whole other account all together.

That's not what I mean. In US bankruptcy law, you can't transfer away your assets with the intent to keep the asset from the reach of creditors. There's a look back period for which a trustee can seek to unwind any actual ir constructively fraudulent transfer. In Chapter 11 (companies), the period is 2 years. Here's a tighter description than I can be bothered with right now:

Fraudulent transfer actions seek to “avoid” or “unwind” certain pre-bankruptcy transactions so that the value of such transactions can be recovered and redistributed to the debtor’s creditors.
Under title 11 of the United States Code (as amended, the “Bankruptcy Code”), a “fraudulent transfer” occurs when a debtor either (1) transfers property with the intent to hinder, delay or defraud its creditors or (2) makes a transfer for less than reasonably equivalent value and at the time of such transfer: (i) was insolvent; (ii) had unreasonably small capital; (iii) intended to incur debts beyond its ability to repay them or (iv) made such transfer for the benefit of an insider under an employment contract outside of the ordinary course of business. 11 U.S.C. § 548(a)(1)(A)-(B).

https://www.kslaw.com/attachments/000/008/303/original/What_is_it_Fraudulent_Transfers.pdf?1604329128

In the Statement of Financial Affairs filed with the Court, you also have to disclose all gifts given over a 2-year look back period, to the extent that any were given to a single person /entity totalled over $600. So it's not necessarily a violation to give gifts (even relatively large), but you have to disclose, and 4 figures to a foreigner you've known 3 months and are now "marrying" is going to be a red flag and a prime place to go digging.

There are also clawback opportunities for preferences (paying some creditors before others within a window of time before the bankruptcy), especially insider loans (probably n/a since salad didn't loan her money but who knows:

Spoiler: Preferences

Family Members Are Insiders

Spoiler: Preferences

If you make a payment to a creditor who is an insider, the rules are strict. The trustee can avoid insider payments made within one year of the bankruptcy. Insiders include more than your relatives but extend to:

• your general partner
• the relatives of your general partner
• partnerships in which you are a general partner, and
• corporations of which you are an officer, director, or person in control.

If you pay back a loan from your family within one year before filing your case, the trustee can avoid the transfer and get that money back if all other preference requirements are satisfied.

Making Payments to Other Creditors 90 Days Before Filing​

The rules are different for other creditors. If most of your debt is consumer debt—that is, it isn't a business debt—a payment or transfer to a creditor is a preference when it's:

• over $600 in aggregate,
• paid within the 90 days before your bankruptcy filing
• made while you were insolvent (meaning you had more debt than assets and property), and
• more than the creditor would be entitled to in a Chapter 7 bankruptcy.

If the payment meets all of these elements, it qualifies as a preference. The trustee can avoid the transfer and get the money back for the benefit of all creditors. Be aware that bankruptcy law presumes debtors are insolvent during the 90 days before filing for bankruptcy.

https://www.alllaw.com/articles/nolo/bankruptcy/clawbacks-preferential-fraudulent-transfers.html

Sorry for the sloppy explanation - it's been a day. Giving away large amounts of money on the eve of bankruptcy is a stupid thing to do.

 

[repentance]

Transferring a large sum of money to your foreign non-Canada-residing boyfriend/ fiancé / "husband" during or on the verge of filing bankruptcy? Does Canada not have fraudulent transfer/conveyance laws?

I'm sure Canada would have those laws but that doesn't mean the trustee would be able to recover the funds. Even when huge amounts are owing in bankruptcy, administrators rarely manage to claw back any significant percentage of fraudulent transfers.

Chantal's look back period has already passed - this bankruptcy began at the end of 2018 - but she's almost certainly been hiding income from her trustee.

 

[Turd Fergusson]

Any transaction $10,000 or over is submitted to the FinTrack system, (not optional) & over time, if the relevant computer systems think a pattern is spotted or the name attached to the account(s) come up on other matters, it's chased down. Again, this type of stuff gets triaged because going through accounts takes a warrant & banks with the help of their legal staff, know how to drag that out. Once obtained, a visual line item by line item perusal takes place.

I have no idea if this type of info is cross referenced to current bankruptcy proceedings. But considering everything financial is linked to the Canadian SSN, I can't see it not being available to bankruptcy trustees.

I think the main issue is not so much her spending such as taking a holiday in Cuba or going for three months in Kuwait, but where did she get the funds for these expenses, why were they not provided to the trustee if they were incomes.

 

[boxybum]

So GUNT is claiming nigga Lil MaMa has DMs from Salad with hot tea.
Weirdly enough, GUNT is the one who writes all Salad's dms. Lol.
View attachment 4287394

Totally written by Salad.
View attachment 4287405

This shit is lame. When will she have a heart attack?

 

[Friend of Dorothy Parker]

I'm sure Canada would have those laws but that doesn't mean the trustee would be able to recover the funds. Even when huge amounts are owing in bankruptcy, administrators rarely manage to claw back any significant percentage of fraudulent transfers.

Chantal's look back period has already passed - this bankruptcy began at the end of 2018 - but she's almost certainly been hiding income from her trustee.

Ah - I'm new to Chantal and thought she was beginning her 2nd bankruptcy now or waiting to hear if she'd be able to go forward. Re-read and saw she's waiting to hear if a discharge has been granted. So I was at the wrong end of the process.

 

[repentance]

Ah - I'm new to Chantal and thought she was beginning her 2nd bankruptcy now or waiting to hear if she'd be able to go forward. Re-read and saw she's waiting to hear if a discharge has been granted. So I was at the wrong end of the process.

You might find this interesting. It includes summaries of cases where discharge has been opposed.

You Owe Money—When Bankrupts Fail to Respect their Obligations

ised-isde.canada.ca

 

[StanleyYelnats]

Why does she keep chasing broke sandfags instead of just getting a wealthy sugar daddy? He'd bail her out, enjoy her gluttony under the guise of wild and untamed youth, then he'd kick the bucket in a couple of years and leave her an inheritance that could buy enough food for maybe two weeks.

When she didn’t look like a gargoyle, maybe?? There is absolutely no sugar daddy on this planet that would pay for that.

 

[Dona Morte]

This was a PAIN.
Anyway.
Here is Chantal's phone with screen removed for your shooping needs.

 

[Mr Scotty]

That's not what I mean. In US bankruptcy law, you can't transfer away your assets with the intent to keep the asset from the reach of creditors. There's a look back period for which a trustee can seek to unwind any actual ir constructively fraudulent transfer. In Chapter 11 (companies), the period is 2 years. Here's a tighter description than I can be bothered with right now:

https://www.kslaw.com/attachments/000/008/303/original/What_is_it_Fraudulent_Transfers.pdf?1604329128

In the Statement of Financial Affairs filed with the Court, you also have to disclose all gifts given over a 2-year look back period, to the extent that any were given to a single person /entity totalled over $600. So it's not necessarily a violation to give gifts (even relatively large), but you have to disclose, and 4 figures to a foreigner you've known 3 months and are now "marrying" is going to be a red flag and a prime place to go digging.

There are also clawback opportunities for preferences (paying some creditors before others within a window of time before the bankruptcy), especially insider loans (probably n/a since salad didn't loan her money but who knows:


https://www.alllaw.com/articles/nolo/bankruptcy/clawbacks-preferential-fraudulent-transfers.html

Sorry for the sloppy explanation - it's been a day. Giving away large amounts of money on the eve of bankruptcy is a stupid thing to do.

I spent a few minutes on Google and found a few interesting tidbits (see below). Has she even has been in contact with her trustee? It appears that trustees in bankruptcies are a federal requirement in Canada.

• And until you are discharged, a portion of earnings above a certain level (what's called surplus income) must be turned over to the trustee for distribution to creditors.
• If you file for bankruptcy in Canada, you are allowed to keep a portion of your income each month. If you earn over this limit, you are required to contribute half of that surplus income into your bankruptcy estate, and it is distributed to your creditors.

Spoiler: Links

https://www.cbc.ca/news/business/8-myths-of-bankruptcy-1.1014375

Surplus Income Limits for 2022 - Bankruptcy Canada

If you earn over this limit, you are required to contribute half of that surplus income into your bankruptcy estate based on 2020 surplus income thresholds.

bankruptcy-canada.com

*Edit - I now see that this has been discussed a lot. My dumb ass didn't think to search before I commented. Lesson learned.

 

[lol cow supreme]

I spent a few minutes on Google and found a few interesting tidbits (see below). Has she even has been in contact with her trustee? It appears that trustees in bankruptcies are a federal requirement in Canada.

• And until you are discharged, a portion of earnings above a certain level (what's called surplus income) must be turned over to the trustee for distribution to creditors.
• If you file for bankruptcy in Canada, you are allowed to keep a portion of your income each month. If you earn over this limit, you are required to contribute half of that surplus income into your bankruptcy estate, and it is distributed to your creditors.

Spoiler: Links

https://www.cbc.ca/news/business/8-myths-of-bankruptcy-1.1014375

Surplus Income Limits for 2022 - Bankruptcy Canada

If you earn over this limit, you are required to contribute half of that surplus income into your bankruptcy estate based on 2020 surplus income thresholds.

bankruptcy-canada.com

why would you go on google when you can just read the thread. Someone already posted all about the discharge process, trustees, and paying the excess income payments. It was like. this morning!

 

[Friend of Dorothy Parker]

You might find this interesting. It includes summaries of cases where discharge has been opposed.

You Owe Money—When Bankrupts Fail to Respect their Obligations

ised-isde.canada.ca

Lol, a recurring theme in those: continuing extravagant living, especially overseas travel.

 

[winterborn]

Imagine being a normal sandnig, doing regular sandnig things.. working hard, eating your rice and meats, washing and praying 67 times a day, roaming malls, following laws, playing sandnig kickball in the sand dunes and just trying not to go to war or get killed for farting wrong.

Then one random day a super-sized bowling ball rolls itself in and fucks up your life, your family, friends, community, etc. Abides by no laws, blatantly disrespects everything, everyone and loves doing so. I reckon this is all the anger and rage Alaa needs and I'm sure is feeling. It's like a disaster come in, from left field which wasn't warranted whatsoever.

She is a pariah, sheer scum and a tornado of filth and horror that leaves nothing but anger, sadness and broken furniture in her wake. Plus what she's doing to her cat. And hamster. And if she thinks the animal Karen's won't stalk her and Salad for proof of hamster life after she leaves, comparing old & new images of Harry for identity fraud, then she's fucking sorely mistaken. Because people will.

I hope that fat, pathetic fuck suffers a slow and arduous demise.

 

[Billie Ross]

You might find this interesting. It includes summaries of cases where discharge has been opposed.

You Owe Money—When Bankrupts Fail to Respect their Obligations

ised-isde.canada.ca

Now one can wonder if the "accountant" she always claimed to chase her to file her taxes was in fact, her trustee.
GUNT is in very funny crossroad, if she keeps running and hiding from her bankruptcy and taxes, she can't sponsor Sally.
If she tries to fix her finances, they'll take every penny of her and she won't have money to keep buying his love or sponsoring him either.
GUNT and Sally are fucked by GUNT.
Can she try to keep her YouTube earnings moving to another country???
Opening a bank account in said country and updating her Google payment details??

 

[I call shenanigans]

why would you go on google when you can just read the thread. Someone already posted all about the discharge process, trustees, and paying the excess income payments. It was like. this morning!

Even that deserved clocks as I'd posted about it back on January 5th. While the description doesn't look right, it does link to the correct post.

https://kiwifarms.st/threads/chanta...e-foodie-beauty.36883/page-7157#post-14115291

Lol, a recurring theme in those: continuing extravagant living, especially overseas travel.

Other reoccurring themes were having more than double the debts than you have assets
Borrowing while insolvent
Not turning over all credit cards to your trustee
Hiding income from the trustee so as not to pay surplus income to trustee, and
deliberately evading tax when not taxed at income source.

Pretty sure Chantal would tick all those boxes.

Now one can wonder if the "accountant" she always claimed to chase her to file her taxes was in fact, her trustee.

It's certainly a large possibility

Can she try to keep her YouTube earnings moving to another country???
Opening a bank account in said country and updating her Google payment details??

I'm pretty sure a foreign account in her name would get linked under the international banking exchange of information. Unless she got all her YouTube income paid direct to her fake husband, she'd get caught. Even then she'd still need to be able to transfer the cash to Canada for it to be of any use to her. The CRA will already know of her international trips because they would data match with their immigration department. Tax authorities are absolute beasts these days with all their cross matching data points.

She's woven herself a big fat mess. I have no doubt she'll get out of it paying far less than she owes, but she probably won't be getting the free pass she is clearly expecting. There will be Karens everywhere ensuring the CRA know all about her income source and how she's been spending it. All we need to do is heat up the popcorn and wait patiently.

 

[Smoovy Jay]

She needs a punch in the face every time she says Nadturd. It's not clever or funny or even cutting.

The way Chantal says Harry in that baby talk way sounds exactly how Peetz baby talks to the cats. I don't know why I find it so unsettling but I do.

 

[repentance]

Now one can wonder if the "accountant" she always claimed to chase her to file her taxes was in fact, her trustee.
GUNT is in very funny crossroad, if she keeps running and hiding from her bankruptcy and taxes, she can't sponsor Sally.
If she tries to fix her finances, they'll take every penny of her and she won't have money to keep buying his love or sponsoring him either.
GUNT and Sally are fucked by GUNT.
Can she try to keep her YouTube earnings moving to another country???
Opening a bank account in said country and updating her Google payment details??

From what I can see she has to send the payments to the trustee rather than the trustee taking them automatically. Her current bankruptcy should have been discharged by now. If it hasn't been, it's because she hasn't complied with all her obligations.

Just as Karens will ensure that the CRA is informed about her youtube income, there'll be other Karens making sure the Office of the Superintendent of Bankruptcy is informed about both her income and her spending.

 

[winterborn]

From what I can see she has to send the payments to the trustee rather than the trustee taking them automatically. Her current bankruptcy should have been discharged by now. If it hasn't been, it's because she hasn't complied with all her obligations.

Just as Karens will ensure that the CRA is informed about her youtube income, there'll be other Karens making sure the Office of the Superintendent of Bankruptcy is informed about both her income and her spending.

Agreed ..and when has she ever, lol?

Who would have thought the Karen's would finally be the unsung heros of..something? Of course we don't want the milk to end fully, as it provides endless lols, but I'm sure as shit we ALL want to see some Gunt comeuppance already.

(Edited cause spelling is hurrd)

 

[Cabbage Farmer]

This was a PAIN.
Anyway.
Here is Chantal's phone with screen removed for your shooping needs.
View attachment 4288638