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I had $32,000 in debt, and wasn't earning enough money for the loan payments.  What could I do?



Karen had $32,000 in debt. She lived with her husband and two children. She was not a home owner, but did own her car, which was only worth $2,500.

She worked as an administrative assistant in a small accounting company; she could only afford to pay $200 per month towards her debts for five years, so she decided to do a Consumer Proposal.  The proposal was accepted and she has been making payments for two years. In fact, she has been able to prepay some of the payments due to tax refunds she has received and a small bonus from work.  She will finish the Consumer Proposal early and be able to rebuild her credit quickly.