FILL OUT THE FORM BELOW AND RECEIVE A NO-OBLIGATION CONSULTATION

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If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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credit card

I have a maxed out high interest credit card and have only been making minimum payments on so it keeps going up and up…I contacted credit card company and tried to make a proposal, they refused..I don’t want to go bankrupt but they refuse to help, what can I do?

Posted from: Nova Scotia

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One Response to “credit card”

A licensed trustee said...

There is a difference between you calling the credit card company and offering them a “proposal” and you going to see a trustee who will help you file a “consumer proposal”. A consumer proposal is a legal procedure whereby you offer to repay a portion of your debt. When you file a consumer proposal you need to offer to repay the greater of: (a) the amount you would be required to repay if you filed for bankruptcy, and (b) about 1/3 of your debt.

Use the links on this site to find a trustee in your area and give them a call. Once you know all of your optins you may make a decision about what to do next.