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-   -   Canada US Credit Card Debt and Collections Agencies (https://www.askmehelpdesk.com/showthread.php?t=151986)

  • Nov 14, 2007, 10:12 AM
    stylus
    Canada US Credit Card Debt and Collections Agencies
    I am a Canadian living in the US. I have approx. 32K in credit card debt. The job I have does not pay anything close to what I was making in Canada and for the last 9 months have been unable to pay the minimum on these 2 credit cards. I am getting unrelenting calls from a Canadian Collections agency. They are saying that they are going to suggest my bank take legal action.

    I don't know what to do, I continue to get these calls she is saying that they want all the money NOW... I am unable to do that... I don't know what to say or do. Now this debt consumes so much of my thoughts.

    I don't know what to do... I'm scared.

    Help!
  • Nov 14, 2007, 12:33 PM
    icecream
    Have you considered bankcruptcy?

    I'm sure Scottgem will see this post and have a well intelligent answer than mine:D
  • Nov 14, 2007, 12:53 PM
    ScottGem
    Try contacting a credit counseling service or even talking with the creditors instead of waiting for them to harass you and see if you can make some better arrangements.
  • Nov 15, 2007, 09:06 PM
    stylus
    I did try a credit counseling service, they did suggest a consumer proposal. This seems like a viable alternative to bankcruptcy. Are there any pitfalls I should be aware of?
  • Nov 16, 2007, 05:57 AM
    ScottGem
    Just make sure they are reputable.

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