Because of COVID 19 I lost my job in the restaurant industry at the beginning of the pandemic. I got by with the CERB payments and then I did go back to my job part time.
My shifts were almost nothing and my earnings were still much lower than I am used to. I began to miss the minimum credit card payments. I was panicking and found YanchDey, I emailed them and they responded back right away.
The trustee answered my questions and told me not to panic because I have no assets except for an older car. The only thing creditors could do is garnishee my wages, which would not be worth them doing because my income was so low.
They put together a consumer proposal to the creditors (that was so worth it to me I could not believe it). I figured the creditors would not go for it, but my Trustee was right and they accepted the offer and reduced payments.
I have just started making the payments but I can’t believe how much better I feel. It was bad enough dealing with the pandemic and how that affected everything including my work, so not having to worry about my bills and debt is amazing.