Alternatives to Bankruptcy Articles - Archive: 2012

If I choose not to go bankrupt, can a creditor (collection agency) garnishee a part of my Canada Pension Disability Benefits? Posted from: Prince Edward Island

I filed a consumer proposal back in the mid 1990′s because I had student loan debt that could not be repaid. Now, almost 20 years later, my wife and I have a combined $60000 in credit card debt and a personal line of credit. We make the payments, but we end up using more credit [...]

My husband and I worked for the same company for 22 years before the business was sold and we became unemployed. It took over 2 years to find sustainable employment as we are both in our 50′s. We worked several part-time jobs at once and ended up owing about $1300 in income tax, which we [...]

I have a chronic illness but worked two jobs prior to my last surgery. Due to complications, I have been out of work and now collect income assistance. My disability insurance on my mortgage expired, now all of the bills are behind. I found your site, called for an evaluation, then was told that I [...]

CRA HAS FROZEN MY ACCOUNTS I OWE 40000 HAVE NO ASSETS NOR DOSE THE BUSINESS WHAT HAPPENS NEXT? I WAS TOLD MONTHS AGO NOT TO WORRY ABOUT ANYTHING TILL THEY CLAIM DIRECTIORS LIABILITY BUT IM STILL HERE IN WORRY Posted from: British Columbia

My credit has been perfect since a previous bankruptcy in 1995. My history of bankrupcty shows 2 previous bankrucptcies back in the 80′s which is a very long story, some not completely correct and I have documentation. So technically if I go bankrupt again the registar would believe this would be my forth time. I [...]

I own a home worth about 60 thousand dollars..I have 28 thousand in unsecured loans. I have called numerous agencies for help to solve my debt problems, I am only working part-time and am a single mom of 3 children. No one will help me, I am scared they will change the locks on my [...]