Got myself into a big sh*tstorm

I have paid the fees to the Trustee of 1260 dollars. I have completed both required counselling sessions. I have forwarded all the T4 slips I have, and all pay stubs I received.  I was missing 3 pay stubs, and I may not be able to produce these. One would think the T4 slips would state the income anyway.

But my earlier questions, what would be the procedure for creditors to come after me if they are indeed reinstated? Would I lose my car and possessions? Wage garnishee?

The Trustee is KPMG if anyone was wondering

Good point... I am definitely working on that and I am able to get most of this info to the Trustee. I may not be able to track down one of my T4 slips on time. Lets hope so!!! But what would happen if I didn't and the Trustee proceeded to close my file and the credictors were re-instated?

Good evening, I am very happy that I stumbled upon this website this evening as I am getting desperate for good advise.

Here is a brief history of my situation,

I joined the military in 1995 right out of high school and stayed about 3 years until I was discharged due to a medical condition that I eventually grew out of.  When discharged, I had absolutely nothing, no college education, no money, no car... no job... nothing. There was a period of 3 months where I had 0 money. If it wasn't for the generoscity of my girlfriend's parents, I woudl have been out on the street. I found a part time job and was sort of able to make ends meet, paying off my bills etc. Then, my previous cell phone provider decided to take me to collections for cancelling my contract, even though I was on an armed forces plan and the agreement was if I left the forces the plan would be cancelled. I was young and stupid, and didn't get it in writing.

That summer, I applied to college and got accepted. :)  I took out a rather large student loan, and used a portion of it to pay off my cell debt. The following winter, my GF had a major falling out with her parents and we were forced to move otu on our own, and using some of our student loan money and credit cards, we purchased some furniture, and house hold goods that we needed.

Again being stupid, during my 2 years of college, my credit card and student loan debt piled up. After graduation, we moved to Calgary Alberta for work and I began to pay off some of my debt. I figured I was paying 700 a month to debt. Money was tight.

While in Calgary, we moved and signed a lease in a DT apartment where we lived for a while. Unfortunately, my GF left me due to issues we couldn't solve over the last 5 years. I was left with a lease on an expensive DT apartment, and 25,000 in debt. I decided to file for bankruptcy.

I moved to Ontario that June, and in my new career I was forced to go away for 6 months.

My bankruptcy was supposed to expire iN January but it was stayed for 60 days as my trustee opposed my discharge, until I can get my trustee some information they require including a T4, a few montly expense forms and some missing pay stubs. If I don't come up with this stuff with in 60 days, the court will adjorne the trustee and re-instate the rights of the credictors, and I will still be bankrupt. If these creditors, including banks, collectcorp, etc decide to sue me, how does this work? What process do they go through?

I have a car that I paid 3,000 for, and some furniture/household appliances. Will I lose my car (I need it for work)? Will they garnish my wages? Will the judge allow them to take my furniture? I take home 2300 a month, living on my own. How much would they take from me?

Honestly, I don't know what to do and I am very depressed. My blood pressure is sky high and I am very stressed. Other then my car, my job and my pride, I have nothing. WHat should I do?

james