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absolute discharge action Administrator after-acquired property annulled appointment assets Assignments and Preferences automatic bank bankrupt Bankruptcy and Insolvency bankruptcy discharge benefit Canada cash flow consolidation order Consumer Proposal date of bankruptcy debt debtor default dentist discharge application discharge hearing Division I proposal documents enforce entitled equalization payment exempt from seizure Family Law Act filed Fraudulent Conveyances funds granted income and expenses Insolvency Act inspectors intent joint tenancy judgment creditor lawyer liability lien matrimonial home meeting of creditors months mortgage non-bankrupt spouse notice obtain offence Official Receiver Ontario opposing creditor order of discharge ordinary unsecured claim parties payment period petition preceding the date prior Receiving Order registered remedies RRSPs ruptcy secured creditor security interest settlement Sheriff situation statement of affairs stay of proceedings tenant tion transaction transfer Trustee in Bankruptcy unsecured debt usually wages