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I am from Canada. I’m just thinking if would the CA agent agree for me to do monthly payments that’s not considered Consumer Proposal?

@joda22322 I am from Canada !

@joda22322 Hmmm I didn’t know about this. But my debt isn’t sold off as I don’t think Amex sells their debt , they only assign CA

@heismysaviour Thank you for your kind and encouraging words. I have asked the same in other threads and it almost made me so hopeless , stuff like I’m screwed for the next 7 years, no broker would want to lend to me etc , I got so depressed. I do believe in myself and that once this shows as...

@heismysaviour Ohhh I see. However if I would like to make arrangements to pay this off let’s say within a year , is it better then to just answer their initial call and get that account set up? I know this will stay on my credit report for 6 years even if I paid it in full in a year, but if...

@heismysaviour Thank you . I’m worried that they’ll keep calling me non stop — is it a bad choice to not answer the phone ? If I do, do I just give them my email to tell them to email me? Sorry for my ignorance but what’s consumer proposal? Is that like a debt settlement ? I read on other...

@mashley44 Ahhh I see. Also wondering — if I make monthly payments to the CA, this is different than consumer proposal right? Or would it be the same thing lol also, I read elsewhere don’t ever pay from a bank account but is there other ways of payment ??

@mashley44 Oh wow, that’s awesome to hear! One thing I’m worried about is my lease on my car is expiring soon and I might have problems renewing the lease… idk if they will check my credit for renewals though

@mashley44 Thank you for your input. How long did your ex take to rebuild her credit ?

Debt Collection - lost Hi everyone. I just found out that one of my CC is going into debt collection and idk what to do. Approx 13k and the CC company told me that I should receive a letter in 7-10 business days from the collection agency At this point idk what I should do. Obviously I...