Search consumer proposals, discharge conditions, creditor claims, asset exemptions, and debt restructuring — backed by real case law.
Bankruptcy and debt disputes involve strict timelines, competing creditor interests, and life-altering financial consequences — Casey searches millions of court decisions to surface verified case law on proposals, discharges, exemptions, and creditor challenges that lawyers and individuals alike can rely on.
Bankruptcy and debt disputes involve strict timelines, competing creditor interests, and life-altering financial consequences — Casey searches millions of court decisions to surface verified case law on proposals, discharges, exemptions, and creditor challenges that lawyers and individuals alike can rely on.
Real Scenarios
1
Consumer Proposals & Creditor Negotiations
Filing a consumer proposal means negotiating with creditors who may reject the terms. Courts have set thresholds for what constitutes a fair offer, and outcomes vary widely depending on income, assets, and the type of debt involved.
Prompt:
“What cases explain when a court will approve a consumer proposal over creditor objections?”
Casey returns decisions analyzing proposal fairness, creditor voting thresholds, court discretion, and the debtor's financial circumstances — showing how judges balanced competing interests.
2
Discharge Conditions & Opposition
Getting a bankruptcy discharge is not automatic. Creditors and trustees can oppose discharge based on conduct, non-disclosure of assets, or failure to meet obligations. The conditions attached can reshape someone's financial future for years.
Prompt:
“When do courts refuse or delay a bankruptcy discharge?”
Casey surfaces cases where courts imposed conditions, suspended discharge, or refused it altogether — revealing the conduct and circumstances that triggered each outcome.
3
Asset Exemptions & Protected Property
Provincial and federal exemptions determine what a bankrupt person can keep — a home, vehicle, tools of the trade, or retirement savings. The rules differ across jurisdictions and courts regularly interpret grey areas.
Prompt:
“How do courts decide whether RRSP contributions made before bankruptcy are exempt?”
Casey retrieves decisions examining timing of contributions, exemption limits, provincial variations, and trustee challenges to claimed exemptions.
4
Fraudulent Transfers & Preferences
Trustees can claw back assets transferred before bankruptcy if the transfer was intended to defeat creditors. Courts look at timing, relationship between parties, and whether fair value was exchanged.
Prompt:
“What cases found a pre-bankruptcy property transfer to a family member was fraudulent?”
Casey returns rulings analyzing badges of fraud, undervalue transactions, timing relative to insolvency, and the legal tests courts applied to reverse transfers.
5
Secured vs. Unsecured Creditor Priority
When there are not enough assets to pay everyone, priority rules determine who gets paid first. Secured creditors, tax authorities, and employees all compete — and the order is not always what people expect.
Prompt:
“How do courts determine priority between secured creditors and the CRA in a bankruptcy?”
Casey surfaces decisions on deemed trust claims, PPSA registration, Crown priority, and the interaction between federal and provincial rules governing creditor ranking.
6
Student Loan Discharge & Hardship
Student loans are treated differently in bankruptcy — they typically cannot be discharged until years after the debtor leaves school. Courts can grant hardship relief, but the threshold is high and the test is multi-factored.
Prompt:
“What do courts consider when deciding hardship discharge for student loans?”
Casey retrieves cases applying the hardship test, examining good faith repayment efforts, financial circumstances, and the time elapsed since leaving school.
Real Scenarios
Filing a consumer proposal means negotiating with creditors who may reject the terms. Courts have set thresholds for what constitutes a fair offer, and outcomes vary widely depending on income, assets, and the type of debt involved.
Prompt:
“What cases explain when a court will approve a consumer proposal over creditor objections?”
Casey returns decisions analyzing proposal fairness, creditor voting thresholds, court discretion, and the debtor's financial circumstances — showing how judges balanced competing interests.
In Canada, student loans cannot be discharged in bankruptcy until at least seven years after the borrower ceases to be a student — and even then, they must prove undue hardship to a court.
Ask Casey your question and get answers backed by real case law — free for the public, powerful for professionals.