I AM A LOW INCOME SENIOR WHO LIVES IN CANADA AND I COLLECT THREE SMALL PENSION CHEQUES THROUGH THE CANADIAN GOVERNMENT. THE CHECKS TOTALL APPROX.$1,522.PER MONTH.AFTER ALL MY LIVING EXPENSES AND MY FOOD FOR THE MONTH ARE TAKEN OUT I MAY HAVE AROUND $150 PER MONTH TO LIVE ON.

I HAVE ONLY TWO SMALL BILLS.ONE IS A CAPITAL ONE CARD THAT IS AROUND $2,000 AND THE OTHER IS A FUNERA L BILL FOR MY HUSBANDS CREAMATION AFTER HE PASSED AWAY LAST YEAR.

NOW I KNOW THAT THIS NOT A LOT OF DEBT BUT IT IS STILL MY DEBT.NOW BECAUSE I BRING IN SUCH A LOW AMOUNT OF MONEY I CANNOT PAY EITHER OF THESE TWO BILLS.THE ONE GOOD THING IN CANADA IS, THE CREDITORS CANNOT TOUCH ANY OF MY PENSIONS.

I HAVE ALLREADY CONTACTED A BANKRUPTCY PLACE BUT THERE AGAIN I CANNOT PAY ANY FEES OR ANYTHING ELSE BECAUSE I DO NOT HAVE THE MONEY. THE BANKRUPTCY PEOPLE DID GIVE ME A TOLL FREE NUMBER TO CALL WHERE THEY WILL PROBABLY WAIVE ALL FEES AND CHARGE ME NOTHING.

NOW STARTING THIS JULY 1 IN OUR PROVINCE OF ONTARIO CANADAWE WILL BE COMBINING TWO TAXES TOGETHER,WHICH WILL BE A PROVINCIAL TAX OF 5% AND WHAT WE CALL IN CANADA A GOODS AND SERVICES TAX OF 8% BOTH TOTALLING 13%.THAT 13% WILL BE ON EVERYTHING THAT WE WILL BE USING (LIKE GAS FOR THE CAR,OUR HYDRO FOR OUR HOMES, A HAIRCUT ANY HEAT FOR OUR HOMES) DO YOU GET THE PICTURE.

BECAUSE I AM ON SUCH A LOW INCOME I MAY HAVE TO GIVE UP MY HOME, BECAUSE I CANNOT AFFORD THE EXTRA MONEY. SO I WILL HAVE TO MAKE SOME BIG DECISIONS IN THE COMING MONTHS.

NOW THAT I HAVE EXPLAINED MY SITUATION SHOULD I REALLY GO  BANKRUPT FOR A LITTLE AMOUNT OF APPROX.$6,000.00.THANK YOU AND PLEASE LET ME KNOW YOUR ANSWER ASAP .