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@percyk We paid from an account but we had a specific account for just that and with a different bank than what we used for our daily stuff. And yes this will be different than a consumer proposal or a consolidation loan as it has gone to a collection agency. I guess it depends on a number of...

@percyk I think they will, a counsellor might have information about how to deal with that. I owned my vehicles so it never came up.

@percyk We eventually bought a house and folded her debt in with the mortgage. After 7 years her credit score was clean and she had been using a credit card and makeing all payments so that helped.

@percyk Well the debt collection company will contact you. They will likely push to get as much from you as fast as possible. They may also phone you a lot. This happened to my ex once. You can send them a cease and desist letter (registered mail so you can prove they get it) and then they...