Hey,

My current situation is really unexplainable. I'm going through the darkest phase of my life. I have never faced such a terrible and unfortunate situation earlier. I'm not really able to handle all of my credit card debts. Also, I have two mortgages, a home purchase mortgage secured five years back and an auto loan in 2015.

I have heard that consumer proposals or bankruptcy are the best ways to deal with debts. The problem is that I don't know anything about both. I have read that bankruptcy is an extremely complex process. But it could help consumers and businesses eliminate the debts or repay them under the protection of the bankruptcy court. I think it's a better solution for me.

I'm planning to file bankruptcy after consulting a licensed insolvency trustee in North York. They have the authority to administer consumer proposals and bankruptcies. Could you please help with suggestions? Thank you in advance!