WHERE TO GET HELP
Bankruptcy is a solution, not a problem.
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.
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.
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.
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