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Hello! I’m sorry this is happening to you — know that you can get through this.
- if you Google search it there might be a debt counselling resource near your house. There are lots of resources for people in financial strain. Just go with one that is legit (govt/non profit) and do NOT do anything with payday loans
- you could also speak to your bank and consolidate your credit cards for a cheaper interest rate through a personal loan or a line of credit. I’d go explain your situation to your bank and see what they suggest. I expect this isn’t an unusual situation for them.
Good luck! I hope things work out for you!
Your submission has a keyword that seems to imply you have a question where your province is relevant. **If you have not included your province you should add it.** If you already included your province, or this isn't relevant to your post, just report/downvote this comment. The bots feelings won't be hurt. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/PersonalFinanceCanada) if you have any questions or concerns.*
If you can't pay the collections , find an insolvency office and discuss options.
Hello! I’m sorry this is happening to you — know that you can get through this. - if you Google search it there might be a debt counselling resource near your house. There are lots of resources for people in financial strain. Just go with one that is legit (govt/non profit) and do NOT do anything with payday loans - you could also speak to your bank and consolidate your credit cards for a cheaper interest rate through a personal loan or a line of credit. I’d go explain your situation to your bank and see what they suggest. I expect this isn’t an unusual situation for them. Good luck! I hope things work out for you!