Many people don’t want to file for bankruptcy for a variety of reasons. Fortunately, there are other options to bankruptcy.
Credit counselling is good for people who have the money to pay their bills, they just need help managing their money. If your debts are manageable, in my experience probably less than $5,000, the credit counsellor could help you file a debt management plan. Contact a credit counsellor for more information.
If you have already been to your bank for a consolidation loan, but that option was not available to you, consider filing a consumer proposal.
I will be happy to meet with you and discuss how a consumer proposal might be able to help you.
