CEN-TA Cross Border Services - Tax, Visas, Immigration: Bankruptcy/Income tax - Murray Morisson - Bankruptcy lawyer - International non-resident cross border expert income tax &am

Can we have them removed as our authorized representative now that we have an absolute discharge?   Thankyou

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david ingram replies:

In general you are usually entitled to keep your refund from Aug to Dec 31 2006 but if the trusteee did not have enough in the bankruptcy estate to pay their own fees, it is not unusual for them to keep another refund as well,

If you are sure that your agreement for the Trustee to keep the CRA refund was only until the end of 2006, then you should file form T1013

http://www.cra-arc.gc.ca/E/pbg/tf/t1013/t1013-06e.pdf

Check the box   2 - A 'CANCEL ALL CONSENTS'

Mail it to:

CRA
Tax Centre
9755 King George Highway
Surrey, BC, Canada
V3T 5EG

Or your local CRA office.

If you cannot find a local address, send it to Surrey and they will look after it for you.

That will remove the trustee as your representative.

The original form you signed automatically gave them a three year time period, and it was not necessarily unreasonable at the time. Lots of times, a bankruptcy discharge takes two or three years. My own, for instance went from Aug 13, 2002 until about July 5 2004, almost two years. When I was in court getting the discharge ruling, another poor fellow was there asking for a discharge after six years.

However, although traumatic to start with, the bankruptcy was one of the two or three best things that ever happened to me and I will bet that your life has improved since yours.

I cannot encourage enough people to 'pull the plug' and get on with their life.

However, I do have a caveat.   When you go to see a Trustee, no matter how much you like them and no matter how many recomendations you received and no matter how nice their office is, as soon as you sign those papers, that trustee is working for the creditors.

As they say on television, anything you say to the trustee can and WILL BE used against you later if it was the wrong thing to say under the circumstances. If you have a question and ask the trustee, it might be the wost thing you could have asked.

Every person in bankruptcy needs an ADVOCATE and that person is NOT your trustee.

I recommend Murray Morrison in Surrey as an advocate in the Lower Mainland of BC. - his phone number is (604) 930-9013.

The following is the article I wrote about my own bankruptcy for the Western Investor. And that is another point. If you go bankrupt, do NOT try and keep it a secret. If you do and it leaks out, it is a tremendous embarrassmnet. Tell your experience to family and friends - it might help them out.    .

david
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David Ingram wrote:

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It is very unlikely that blind or unexpected email to me will be answered. I receive anywhere from 100 to 700 unsolicited emails a day and usually answer anywhere from 2 to 20 if they are not from existing clients. Existing clients are advised to put their 'name and PAYING CUSTOMER' in the subject and get answered first. I also refuse to be a slave to email and do not look at it every day and have never ever looked at it when i am out of town.

However, I regularly search for the words"PAYING CUSTOMER" and always answer them first if they did not get spammed out. As an example, as I write this on June 28th, since June 16th (12 days), my 'spammed out' box has 7,118 unread messages, my deleted box has 2630 I have actually looked at and deleted and I have answerd 63 email questions I have answered for clients and strangers. I have also put aside 446 messages that I am maybe going to try and answer because they look interesting.

Therefore, if an email is not answered in 24 to 36 hours, it is lost in space. You can try and resend it but if important, you will have to phone to make an appointment. Gillian Bryan generally accepts appointment requests for me between 10:30 AM and 4:00 PM Monday to Friday VANCOUVER (Seattle, Portland, Los Angeles) time at (604) 980-0321

David Ingram's US / Canada Services
US / Canada / Mexico tax, Immigration and working Visa Specialists
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Disclaimer: This question has been answered without detailed information or consultation and is to be regarded only as general comment. Nothing in this message is or should be construed as advice in any particular circumstances. No contract exists between the reader and the author and any and all non-contractual duties are expressly denied. All readers should obtain formal advice from a competent and appropriately qualified legal practitioner or tax specialist for expert help, assistance, preparation, or consultation in connection with personal or business affairs such as at www.centa.com. If you forward this message, this disclaimer must be included."

David Ingram gives expert income tax & immigration help to non-resident Americans & Canadians from New York to California to Mexico family, estate, income trust trusts Cross border, dual citizen - out of country investments are all handled with competence & authority.

Phone consultations are $400 for 15 minutes to 50 minutes (professional hour). Please note that GST is added if product remains in Canada or is to be returned to Canada or a phone consultation is in Canada.

This is not intended to be definitive but in general I am quoting $800 to $2,800 for a dual country tax return.

$800 would be one T4 slip one W2 slip one or two interest slips and you lived in one country only - no self employment or rentals or capital gains - you did not move into or out of the country in this year.

$1,000 would be the same with one rental

$1,200 would be the same with one business no rental

$1,200 would be the minimum with a move in or out of the country. These are complicated because of the back and forth foreign tax credits. - The IRS says a foreign tax credit takes 1 hour and 53 minutes.

$1,500 would be the minimum with a rental or two in the country you do not live in or a rental and a business and foreign tax credits no move in or out

$1,600 would be for two people with income from two countries

$2,800 would be all of the above and you moved in and out of the country.

This is just a guideline for US / Canadian returns

We will still prepare Canadian only (lives in Canada, no US connection period) with two or three slips and no capital gains, etc. for $150.00 up.

With a Rental for $350

A Business for $350 - Rental and business likely $450

And an American only (lives in the US with no Canadian income or filing period) with about the same things in the same range with a little bit more if there is a state return.

Moving in or out of the country or part year earnings in the US will ALWAYS be $800 and up.

TDF 90-22.1 forms are $50 for the first and $25.00 each after that when part of a tax return.

8891 forms are generally $50.00 to $100.00 each.

18 RRSPs would be $900.00 - (maybe amalgamate a couple)

Capital gains *sales) are likely $50.00 for the first and $20.00 each after that.

Just a guideline not etched in stone.

This from "ask an income trusts tax and immigration expert" from www.centa.com or www.jurock.com or www.featureweb.com. David Ingram deals on a daily basis with expatriate tax returns with multi jurisdictional cross and trans border expatriate problems for the United States, Canada, Mexico, Great Britain, United Kingdom, Kuwait, Dubai, Saudi Arabia, Thailand, Indonesia, Japan, China, New Zealand, France, Germany, Spain, Italy, Russia, Georgia, Brazil, Peru, Ecuador, Bolivia, Scotland, Ireland, Hawaii, Florida, Montana, Morocco, Israel, Iraq, Iran, India, Pakistan, Afghanistan, Mali, Bangkok, Greenland, Iceland, Cuba, Bahamas, Bermuda, Barbados, St Vincent, Grenada,, Virgin Islands, US, UK, GB, and any of the 43 states with state tax returns, etc. Rockwall, Dallas, San Antonio Houston, Denmark, Finland, Sweden Norway Bulgaria Croatia Income Tax and Immigration Tips, Income Tax Immigration Wizard Antarctica Rwanda Guru Consultant Specialist Section 216(4) 216(1) NR6 NR-6 NR 6 Non-Resident Real Estate tax specialist expert preparer expatriate anti money laundering money seasoning FINTRAC E677 E667 105 106 TDF-90 Reporting $10,000 cross border transactions Grand Cayman Aruba Zimbabwe South Africa Namibia help USA US Income Tax Convention

David Ingram expert income tax and immigration help and preparation of US Canada Mexico non-resident and cross border returns with rental dividend wages self-employed and royalty foreign tax credits family estate trust trusts income tax convention treaty

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