Business Bankruptcy Law | Small Business Bankruptcy Laws

My parents are divorced and I live between my mom’s house and my dad’s house. However, the address on my driver’s license is my mom’s address. Once I arrive to Montréal however, I will be exchanging my license for a Québec license which will have my new Québec address on it (one of the apartments I’ve been looking at). I am wondering which of my parent’s income to put in order to receive the most money from OSAP. My mom does not work, however she is disabled under the Canada Pension Plan so she receives a substantial amount from the Disability Benefit. I will also be receiving some of this money (Child’s Benefit, 214$ per month) as a child aged under 18-25 of a disabled parent attending school. On the Income Tax Return, my mom makes much more money than my dad does. My dad owns a small business, a cigar shop in which he is the only employee. Business is not good, he has a considerable amount of debt from credit cards and currently owns no more credit cards. He didn’t file for bankruptcy but almost did. He currently lives on the upper level of his store, so he technically doesn’t have a house. When I go to live with him, I stay in that upper level of the store. Needless to say, his yearly income on the tax return is much less than my mother’s. In your opinion, which of my parents should I put for the income part of the application?

The answer for me is to put my dad as he makes less money, but the problem is that the address on my license is my mother’s. However, I’ll be changing my license for a Québec one in about 7-10 days and that one will have a completely different Québec license. Please advise me with what to do and which parent to put, I would really appreciate it. Thank you so much!
To "It’s me":
Yes, they live in different households. However, would they cause me any problems if I put my dad’s income on the application but the address on my driver’s license is my mom’s? That would technically mean that I lied about living with my dad wouldn’t it? I actually live between both (1 week here, 1 week there) but the address on all my official documents is my mom’s. The license will be exchanged very shortly to a Quebec license with a new Quebec address on it but I’m just wondering in case…Thanks for your help.
To "Miss Priss":
My mom and dad both live in Ontario. I have lived here my life. I am only moving to Quebec for university in September.

1) Have you consistently refused to vote for Republicans and Democrats, either by not voting or voting third party?

2) Do you advocate abolishing or drastically reducing Social Security?

3) Do you advocate abolishing or drastically reducing Medicare?

4) Do you advocate the immediate removal of U.S. military forces from foreign nations, and drastically reducing the DOD budget?

5) Do you advocate abolishing the Federal Reserve system and repealing laws that prohibit currency competition?

If not, you have NO business complaining about the “state of the union.” Social Security, Medicare, and DOD are the three primary causes of our national bankruptcy. The Federal Reserve is the enabler that makes deficit spending possible, creates the booms and busts, and punishes savers. Unless you oppose welfare, warfare, and fiat currency, you cannot credibly complain about the economy, federal spending and debt, or “big government.”

From Jeff at lewrockwell.com
Andy and Scott: you are just Republicans in denial, nothing would change with your ideas.
Outlaw: you are on the right track. Flat Tax would probably be abused and increased by government though. Just like the income tax was raised astronomically in the beginning years.
cshs: don’t you understand the question? rhetoric without actual ideas is not going to work. Government will still be big and also the debt without drastically reforming the whole system of entitlements, foreign and monetary policy!

The short story is that after a failed business, my home was lost to foreclosure, several bills mounted and I now have a means to payback debt. The other day I was successful at obtaining an agreement to pay a month on a 5k balance and it is my hope I can manage to do so with all of my debts. The monster in the closet is a 20k equity loan that was secured by my home which has no longer mine. When I approached the office I would typically make my payment to they gave me the number for the collections department and before I could even reach them DCS (collection agency) contacted me. Now I have told them that I would like to begin making payments but with my other debts that I am trying to honor being added on to monthly expenses, the old payment on the equity loan (250/mo) is pretty tough to manage. Is it possible to negotiate with these people? They offered a settlement of 13k on the 20k loan but I dont have that kind of money. I had actually hoped to go through the same company I had the loan with perhaps get it back in good standing in hopes that it would eventually help me to recover my credit status after being rocked by the foreclosure. any thoughts? I want to avoid bankruptcy, heck I think after I get my taxes back it would put me over the Median income for my small family of just my son and I anyway. Not sure what to think about chapter 13 either.
Update….Debt consolidation loans are out of the question due to lack of credit score. The debt is not credit card debt though it seems like everyone wants to help people out of credit card trouble. It’s utilities, a couple business debts and the dang equity loan. I need a dependable car and have to use the income tax to buy one. If I buy a decent used car I can lose it to bankruptcy, if I go chapter 13 it seems like I have to live how the court tells me to live and would have no money beyond living expense and with a 9 year old child to raise that is impossible.

I filed chapter 7 bankruptcy few months ago, and now IRS sent me letter said I owe income tax because I no longer owe the amount which was wiped out. What should I do about this? My lawyer said I should go to my accountant who prepared the tax for me and ask them to dispute the "income" I owe IRS. But I couldn’t find my accountant anymore, I think they are already out of business. What should I do to get rid of this "income" tax ?
Thanks for the answering, I just want to clarify that I didn’t owe any income tax. The letter IRS sent me said that the income tax I owed is because the cancellation of debt.