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    Looking for Help - 24 y/o w/ $28k unsecured debt with zero assets

    @ratan I obviously can't promise what your creditors would accept, but if your income is supposed to increase that much my advise would be to do a consumer proposal right away. Even getting it accepted for 15k would be good. If you were my client, I'd recommend 250 for 50 months. RBC will come...
  2. W

    Looking for Help - 24 y/o w/ $28k unsecured debt with zero assets

    @ratan In a bankruptcy you'd have to pay approximately $12,000 (assuming your income doesn't change). So a proposal is probably your best option. You could probably offer $12(ish)k to your creditors. RBC is a difficult creditor to deal with but the other two can out vote them so I'd be...
  3. W

    Looking for Help - 24 y/o w/ $28k unsecured debt with zero assets

    @bodhiboy This is some really solid advise, if you want to avoid filing a consumer proposal this is how you would do it.
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