Considering Bankruptcy?
CanLaw Will Help You
THE OPTIONS TO BANKRUPTCY
You have several alternatives to bankruptcy to consider
Consider Consumer Proposal Debt Consolidation Debt Settlement Debt Management Program You can negotiate a better creditor payment plan and avoid bankruptcy
Do You See Yourself in These Warning Signs of Debt or Financial Problems?
Monthly payments to creditors exceed 20% of your take home pay (not including your rent or mortgage).
Using your savings to pay for daily expenses.
Not having any savings at all
Not knowing how much you owe.
Arguing with your family members over unpaid bills or money problems.
Are you always worried about money
Behind on your credit card or loan payments
Creditors and collectors calling with payment demands
Using your credit cards to pay bills
Afraid to open your mail or answer your phone
Creditors constantly hounding and harassing you for payment, threaten legal action, or hire a collection agency
Are there threats of or actual court action against you?
Creditors' lawsuits, repossessions or judgments against you
Your wages have been garnisheed
Loans or Credit Refused
Gambling Losses
Are you struggling to meet your rent or mortgage or car payments?
Are you making minimum monthly payments on your debts?
Are you borrowing money from family or friends to survive from one payday to the next?
You continually go over your credit limit
Your credit cards are used as a necessity rather than a convenience
Bounced cheques
You use pay cheque cashing companies frequently
Are you always in overdraft?
You pay only interest or service charges monthly, resulting in no reduction of your outstanding debt
Utility companies have cut off service due to unpaid bills
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On line Since 1996