Small Claims Court
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You cannot run or hide from your debts. You cannot ignore them They will not go away. It is far better to face the music and deal with your problem head on. You will feel better and live better if you do.
Know You Are Not Alone.
Over 110,000 Canadians declare bankruptcy and get a fresh start and a clean slate every year. Most are glad and relieved they did. The focus of the process is to help you organize your finances and develop new skills. It is not intended to punish an honest individual for their misfortunes or mistakes
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Credit Counselling services can work out a lower payment plan with your creditors for you. They charge fees despite their touted "non profit" status. The fees are usually hidden and deducted from your payments. Credit counselling plans will take years to pay off your debts.
A Consumer Proposal is a means to negotiate with your creditors for the reduction of your debts and/or extension of time for payment of their debts.
The payment schedule that is created in consultation with a your advisor is based on your income, living expenses and family size.
It prevents your creditors from taking legal actions to seize assets or garnishee wages.
The best way to get detailed information about filing an assignment in bankruptcy or a proposal is to contact a bankruptcy trustee and discuss your options .
There is usually no cost for this and there is no obligation to proceed with bankruptcy.
Creditors will offer you a better deal if they know you are in trouble and might default
The first step in trying to resolve your debt problem is to pick up the phone and contact your creditors and try to work out a payment plan.
Explain your situation and emphasize your willingness to work with the creditor to catch up on your overdue bills.
Use consolidation only if you are able to control your spending. If you can get a consolidation loan, this may solve your problem. However many people who consolidate just run up their credit cards again and are worse off than before the loan.
This is not legal advice, it is information
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