I obtained credit with several companies four years ago when I had a good job.

However, for the past two years I have been unable to meet any of these obligations, due to employment problems. My creditors have recieved no paymnets from me in this time. Also, I haven't kept my address/employment info current with them, so they have been unable to contact me. It's been so long since I've seen a statement from any account that I dont even know what I owe anymore.

I've heard this may be considered fraud. Can I be denied bankruptcy or OPD based on this?

What you have discussed doesn't constitute fraud as far a I am aware, however I am not a lawyer. You should talk to a Trustee regarding your concerns as it appears you could file OPD or bankruptcy if you wish.

To obtain a free assessment of your financial concerns, you should contact a Trustee in your area by looking in the yellow pages under "Bankruptcy".

If you have any further questions or want to come in for a free assessment to our office, please call or email me using the information below.

Shane Brenneis
phone: (403) 298-1575
sbrenneis@collinsbarrow.com