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Credit Problems? How to legally reduce or eliminate all your debts.

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Debt Problems Making Your Life Miserable?

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Bankruptcy is a solution, not a problem.

How Bankruptcy Can Wipe Out Your Credit Card and Other Debt, Right Now. Bankruptcy is a solution, not a problem

How Bankruptcy Can Wipe Out Your Credit Card and Other Debt,Right Now.

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What to do when you can't pay your bills. Stop collection calls fast Up to date and accurate information on what to do if you fall behind on youIf you came to this page, chances are you know you need financial help already. You will find realistic answers about  your money problems, debt problems, financial problems  and Personal Bankruptcy options.

  • FINANCIAL PROBLEMS GOT YOU DOWN? Are your credit cards maxed out?
  • Tried a consolidation loan which only got you deeper in debt?
  • Your credit rating and credit scores are so low you can't get credit for a cup of coffer?
  • You looked at credit counselling and it will take years and years.
  • Maybe a bankrupt trustee or lawyer is the best option you have? Stop the collection calls. End the garnishees.
  • Sick of no money, over credit limit on your credit cards, living in debt and on overdraft? No savings? Endless collection calls about missed payments? Judgments? Get your life back.
  • Do not be afraid of going bankrupt. It may be the best solution to ending your money problems right now..
  • An illness, a layoff, divorce, or unexpected bills are just a few reasons why you can't pay your bills on time.  Here is up to date and accurate information on what you should do if you fall behind on your debts

What To Do If You Can't Pay Your Bills

Help Yourself Now

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

Credit Counselling Services

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 of monthly payments to pay off your debts.


Negotiate with your creditors

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.

Consolidation Loans

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.


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Personal Bankruptcy

Bankruptcy is a solution, not a problem.

The best way to get detailed information about bankruptcy law, also known as insolvency law or 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 going bankrupt.


Consumer Proposals

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 monthly payments 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.

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Can't pay your bills? Need help?