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rgba(0,0,0,1)}body{margin:0;--wp--style--global--content-size:1200px;--wp--style--global--wide-size:1400px}body{--wp--style--block-gap:24px}body{padding-top:0;padding-right:0;padding-bottom:0;padding-left:0} Overtime work stopped | Bankruptcy Canada
That’s not an uncomon story these days – lots of people have lost their overtime and find themselves in the same boat. Your income can change overnight, but it takes time to change your monthly expenses.
Since you haven’t missed any payments yet you may want to start by meeting with the loans officer at your bank – I have to warn you that it is VERY difficult to get a consolidation loan these days, but if you qualify it cansolve your payment problems.
If you don’t want to talk to your bank (or you do and they say “no”) you may want to consider credit counseling or a consumer proposal. You can find out more about each of these things on this site, or you can use the links to contact a trustee in yoru area that will review these options (as well as some others) with you.