If anyone has some info or experiences on the specific questions I had posted, then great! Those info or comments may be helpful to bring up during my meeting with a trustee. There also may be other questions that may arise from comments that I can add to my list. I am not looking for a shortcut but was hoping this post would help me gain a little more information so I could ask the right questions during my meeting with the trustee.

There ya go: you get what you pay for. Bankrupticies can be pretty complicated situations, especially when they are second ones, and real property shared with spouses are involved. Those are issues only a trustee, whose duty it is to familiarize themselves thoroughly with your case, can answer. I am at a loss to understand why you think there would be a shortcut.

The trustee's job is to represent and protect the interest of YOUR creditors, not yours, even though you're the one paying him. Thus he will know all the relevant questions to ask. And, you're unlikely to be his first client.

Hi Danielbl,

My post may come incomprehensible to you but my goal this forum is to seek out VALUABLE comments, advice or possibly even more questions that would be of help during my meeting with the trustee. Although, your comment was neither helpful nor valuable, I thank you for the time to post a dramatic reply.

It's simply incomprehensible someone would seek advice on a forum like this for a procedure as consequential as a second bankruptcy.

Something which will be on your credit reports for at least 14 years after discharge. That's almost 16 years from the date of filing. So, if you're over 50, that's most of the rest of your life. As well, it becomes a matter of public record with the Office of the Superintendant of Bankruptcy, which anyone can view online for $8 (or free) FOREVER..

Not sure about the Vancouver $12K exemption of your share in the title or residence/work period requiremnts because of the recent Thow case, below.

You really, really need to consult a trustee.

http://www.bankruptcycanada.com/BC-Bankruptcy-Exemptions.htm

I have been contemplating on declaring bankruptcy for the 2nd time. The 1st time was about over 7 years ago. My current debt is just less than $90,000. Here are some of the questions I have:

* Equity of the home - I understand that should I sell my home, I would get to keep up to $12000. Since I own the home with my wife and she's not declaring bankruptcy, would I get to keep up to $12000 and what would be the amount she would get to keep?

*I am planning to take a job out of the country. Will I be able to do this while within 24-month discharge period?

* What are the requirements within that 24-month period?

Any info would be very much appreciated.