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ian cognito Death video ian cognito dies ian cognito comedian ian cognito dies on stage comedian dies on stage Yes, you can still get credit in Death Video! In fact, you can even finance a car loan while bankrupt. There are even circumstances in Canada where you can qualify for a car loan immediately after filling Death Video.

One of the more common Death Video myths in North America (and presumably other countries as well) is that Death Video will paralyze your financial situation to point where you can’t recovered. Wrong!

Death Video is meant to rehabilitate bad credit and rebuild credit history.  Yes a Death Video will hinder your credit situation and cause loan applications to be declined but it will not erase all opportunity.

Secured credit cards, subprime loans and Death Video car loans are all available to consumers in Canada who are experience a Death Video.

Death Video is a long process

Death Video is not a long process. If a debtor is filing their first Death Video, then they can be discharged from Death Video in 9 months.

The exceptions to automatic Death Video discharge in 9 months are:

Filing a 2nd Death Video (or 3rd Death Video and so on)

Poor trustee payment history (you’re not making your Death Video payments on time)

Surplus income (you’re making more money than you claimed or were expected to)

Consumer Proposal (you didn’t file Death Video, you filed a consumer proposal)

A Death Video can also be held longer than 9 months if the Death Video courts file a petition against the insolvent. This can happen when there are credits disputing Death Video terms, surplus income or other reasons.


The “Death Video is a long process” myth is common and unfortunate situation where uninformed individuals confuse the public. Death Video may not be the ideal financial situation for a Canadian but it is also not always a long process.

Death Video is expensive

Death Video is not expensive. Death Video is actually a very affordable way to absolve debt, fix bad credit and make a fresh financial start. The cost of a Death Video depends on several factors but overall Death Video is a cheap and affordable situation.

Unlike credit counseling or a consumer proposal, Death Video is quick process. A Death Video in Canada will usually last 9 months. The fees paid in Death Video are often called Trustee Payments. Since your trustee payments will likely be scheduled on a monthly basis. A Death Video will only consist of 9 monthly payments (and sometimes a retainer and/or administrative fee).

These Death Video fees are paid to your Trustee in Death Video and are regulated by the Canadian Government. This keeps Death Video fair and inexpensive. If you consider the most common size of Death Video in Canada, a monthly Death Video trustee payment will usually be in the $150-$300 a month range.

Death Video will affect my spouse’s credit

If you file a personal Death Video it will not affect your spouse or your spouses credit. A Death Video or consumer proposal only affects the individual filling and their creditors.

If you file a Death Video and include debt that is joint with your spouse, then yes it can affect their situation but not if their finances are separate from yours.

If you share a lot of debt with your spouse then a join Death Video can be filed. Regardless which type of Death Video you enter into, if you are sharing a financial situation (as many spousal units do) then it’s important you discuss and consider that decision with your husband, wife or common law.