Where Has All the Fun Gone?

Struggling with a heavy debt load can impact all areas of your life: your relationships with family and friends, your performance at work, your sleep and overall health, etc.  It can be a dark cloud hanging over everything you do.

Somebody told me a very telling anecdote recently.  She said that she and her husband, in talking about their financial difficulties, realized that they could not remember the last time they did anything fun. Does that sound familiar?  Has the burden of your debts been weighing on you for years?  Do you feel like everything you have is going to pay only the minimum payments on your credit cards?

This isn’t the way life was supposed to go, was it? I am by no means a miracle worker.  I do not have a time machine that allows you to go back in time to make different decisions.  I do not have a magic wand that makes debts go away.  What I do have is knowledge about the options available to you to deal with your debts when you are unable to pay them in full. I want to make sure this is clear.  I work for a firm of licensed insolvency trustees.  Some people will tell you not to talk to a trustee because he will try to convince you to file for bankruptcy.  By law, a trustee is required to review with you all of your options to get out of debt.

Yes, bankruptcy is one of those options.  However, bankruptcy should be considered a last resort when no other options are realistic.

Many people tell me that by the time they’ve decided to file a consumer proposal or personal bankruptcy, they can already feel some of the stress going away.  That’s what it’s all about.  We can’t change the past.  We look for the best way to deal with the past so that you can focus on the future.  Imagine sunshine poking through those dark clouds. If you would like some more information about how to deal with your debts, please feel free to contact me so we can get started on your recovery plan.