Hardie & Kelly RebuildRebuild

I'm employed full-time, but I've fallen behind on my debt payments, and can't afford more. I also need to continue paying support for my child.



Stephen was employed full-time and lived in a shared accommodation. His total debts were $43,000. He also owned his car (valued at $5,000) which he needed for his work, and did not have any other assets.

Stephen also had to pay $260 per month to Maintenance Enforcement for his son who lived with his estranged wife.

Stephen could not afford to pay his debts and had fallen behind with all of his payments; he was even struggling to pay his rent. Stephen decided to file bankruptcy; he didn’t lose any of his assets, he was able to live comfortably and pay his child support.