Neither, a Licensed Insolvency Trustee is required to be neutral in all his or her dealings. A licensed Insolvency Trustee is an Officer of the Court regulated by the Federal Government.
Most proposals show on a credit report for a term of eight years from the date they are filed, that is five years of repayment and three years following the final payout.
A first-time bankruptcy will show on your credit report for six years following your discharge a second or subsequent bankruptcy will show up for fourteen years.
Yes, in fact it is a good idea to open a new bank account to ensure you maintain control over you finances and income.
No, pensions are exempt from seizure under pension and benefits legislation.