T or F In a "private receivership" where a secured creditor has commissioned the receiver, the receiver has no responsibilities to unsecured creditors. b) T or F The Companies' Creditors Arrangement Act may allow a company to temporarily stall actions of secured creditors. c) T or F When a creditor of a bankrupt owes money to the bankrupt, a right of set-off exists. d) T or F When a construction company goes bankrupt, trust funds are part of the bankrupt's estate, but the creditor is treated as a preferred creditor. e) T or F Income tax refunds for income incurred prior to bankruptcy are considered an asset for the estate. f) T or F Wages earned after assignment but prior to discharge are exempt from the bankrupt's estate