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I just want to fix my life but I do not know where to start. I live in Ottawa, Ontario (Canada)
April 16, 2010
3:09 am
Jon Emge
Jon Emge
Moderator
Forum Posts: 1018
Member Since:
January 14, 2010
Offline

Val, 

Wanting to get things started as you are is a good first step.

Gather your information and see roughly what is the total amounts you owe.

Have you spoke to your creditors to inquire what assistances they maybe able to offer?

Look at your budget and see what you may have each month to pay towards the debts?

If it is the minimum amounts the creditors are asking for then you can start with this as a repayment plan.

If you cannot meet the minimum payments, you could look at what options the creditors themselves have as repayment plans, or also other options such as a debt management plan, consumer proposal or possibly bankruptcy. 

If you wish to consider a consumer proposal or bankruptcy you will need to speak to an attorney in your area.

I hope this helps.

Jon

April 15, 2010
11:20 am
Guest

Hi,

I came across your website and maybe you can help me out. I am 22 years old and I am so far id debt that I do not even know how I am going to get out of it. I FINNALY got a job on my field with a semi-respectable salary (about 50k a year before taxes about 32k after taxes)
I want to do this right this time, I mean I found that in the last few years I find myself taking out loans and not paying them back until i get sent to a collections agency. the last time I checked my credit score it was @ 310 (i think thats as low as it goes)

I just want to fix my life but I do not know where to start. I live in Ottawa, Ontario (Canada)

Maybe you know something?

PLease help.

Thank you so much for your time.!!!

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