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@johndw Not true and it wasn't easy way out. It was ask to see if he can pay what he can, vs not paying at all. The way I read, was that he had rrsp, but after the deductions he wouldn't quite have enough to cover the whole payment. Especially when the creditor is charging nearly 50% interest...

@johndw It is not lying if he struggling to pay and no one knows the future. I went through a hard time as a single mom, then the company I worked for shut the doors without notice. Due to the flooded job loss it was really hard tp find work. When I found new work it was less money. It was...

@lc0582 If you decide to use your rrsp to pay money mart. Contact them first and say something like "hey, I'm really close to a bankruptcy. I don't want to not pay what I owe, but i dont have that much. What would you accept as a cash out payment?". This was suggested to me a little while back...