It was 2016 when I found myself facing a possible bankruptcy. I could not believe this was happening to me.
The reasons for my financial difficulties was a combination of my spouse continuously being laid off at work in the Oshawa auto industry and the fact that I did not file my taxes.
As I had always been able to manage my finances, I procrastinated in hopes that a miracle would happen, but it didn’t.
I kept putting off the call to a trustee expecting the worst and the personal stigma.
I thought of prospect of going bankrupt was so overwhelming that I delayed it for months.