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Can't pay your bills? Want to know how to solve your credit problems? You cannot run or hide from your bad credit or debts. Read about  credit counselling, a consolidation loan, consumer proposals or even bankruptcy to see what will work for you.

CanLaw Will Find You a Consumer Protection or Money Problems  Lawyer.

CanLaw guide to the law on money problems shows you many ways to end them legallyWhat To Do If You Can't Pay Your Bills

You have five basic options available:

How to Negotiate with your creditors

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 reiterate your willingness to work with the creditor to catch up on your overdue bills. More . . .

What Are Consolidation Loans?

Use 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.  More . . .

What Are 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 to pay off your debts. More . . .

What Is a Consumer Proposal?

A Consumer Proposal is a means to negotiate with your creditors for the reduction of you 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 creditors. It prevents your creditors from taking legal actions to seize assets or garnishee wages. More . . .

How Does Personal Bankruptcy Help?

The best way to get detailed information about filing an assignment in bankruptcy or a proposal is to contact a  Trustee in Bankruptcy. There is no cost for this and there is no obligation to proceed with bankruptcy. More . . .

HERE ARE THE BASICS YOU NEED TO KNOW IF you have money problems? Bad credit? Can't pay your bills? How to solve your credit problems. Learn about credit scores, ratings, credit counselling, negotiating to lower your debts. Should you consider consumer proposals or even bankruptcy?

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