A debtor may apply to the Court to challenge (oppose) a bankruptcy notice before the time for compliance with the notice has finished. The debtor can apply to challenge a bankruptcy notice if: there is a defect in the bankruptcy notice the debt on which the bankruptcy notice is based does not exist you have a claim against the creditor, equal to or greater than the amount claimed in the bankruptcy notice, or the bankruptcy notice is an abuse of process. A person who intends to oppose an application (including an interim application) or a petition must, at least 3 days before the date fixed for the hearing of the application or petition or, with the leave of the Court, at the hearing: file a Form B4 - Notice of appearance file a Form B5: Notice stating grounds of opposition to application, interim application or petition file an Affidavit in support of the grounds of opposition and serve the notices and supporting affidavit on the applicant.