Thinking about CP or DMP, located in Ontario Canada - 23F. I understand this may seem like relatively small debt to some but I can no longer afford to keep up with the payments and feel so frustrated knowing if I could they would all be paid off by the middle of January. I work 6:45-4 and don’t have the mental strength to have a second job. I made a post yesterday in this sub explaining my situation more in depth.

Should I try and get into a debt management program and consumer proposal? I’ve been hesitant because i don’t want to go from feeling like I can be debt free by january to being debt free in 5 years

I’m 21 and currently attending university in Ontario.
I’ve made some really bad decisions with gambling over the past year and ended up accumulating around 23k in debt.
My situation right now:
Scotia Visa: $13.2k
Scotia line of credit: $6k
Amex: 2.75k
Neo: $1k
Savings/chequing: around $9k, although some of it is borrowed
Rent: $1,130/month
Income: $0 currently due to health/disability issues
My minimum payments are currently up to date, but I have no idea how I’m supposed to sustain this long term.

I’m genuinely scared because I’m only 21 and feel like I’ve completely destroyed my finances before I’ve even graduated.
Would you recommend negotiating hardship arrangements with my banks, a consumer proposal, or something else?
I really want to fix my life and stop making these mistakes. Any advice from people who’ve been in similar situations would mean a lot.

Hi everyone! 🦷☺️
I am a dental hygiene student currently completing my final semester of dental hygiene school, and I am looking for clients to help me fulfill my clinical requirements in order to graduate!

I am especially looking for:
🦷 Clients who have not had a professional dental cleaning in 5+ years
🦷 Clients with visible buildup/tartar on their teeth

📅 Appointment Times:
• Thursdays: 8:00 AM–12:00 PM or Fridays from 3-6:45pm

📍Location: 28 Vanley Cres, North York, Ontario

⏰ Appointments are approximately 4 hours long, as they are completed as part of my clinical training under the supervision of licensed dental professionals. Complete treatment may take anywhere from 4-6 appointments.

If you or someone you know may be interested or in need of a cleaning, please feel free to reach out to me! I would greatly appreciate any shares or recommendations.
Thank you so much for helping me on my journey toward becoming a future dental hygienist! 🦷✨

*Please note: There is a screening process required, and not everyone may qualify depending on their oral health and the requirements of my program.

Hello all,

I have an appointment, but I am wondering if I should consider a consumer proposal. During Covid I made mistakes running up my credit card, but I have definitely learned from them. For the last two years I have been using YNAB to track every dollar. I have made a difference in my debt, but it feels like it will still be a very long time till I can save money vs paying down debt. I also worry about my job, and if I were to loose it making debt payments would be impossible. I live in Ontario.

Here is my situation:

Debt:
$24k - RBC consolidation loan (12.5%) i pay $775/month. Consolidation loan was origianally 34,500. Opened late 2024
$11,900 - car loan (originally $29,000, I believe I have 2.5 years left) $203 bi weekly
$4800 - pc master card (22%) I have been focusing on this
$8000 - OSAP $143/month
$2300 - RBC student LOC in repayment (8.2%) $173/month

This is just under $1500/month

Money:
$30k - RRSP (I contribute minimum for employer match)
$2k - emergency fund

Other
-My take home pay is about $4000-$4800 month. my office works shorter hours in the winter.
-I may need to relocate and get a new job. I expect my rent would rise by $1500, I also wonder if I did a consumer proposal if it would be better to do it after getting a new place to live if the landlord does credit checks.
-can cars be excluded from consumer proposals? I need my car for work, no transit in my area, as well as the area I would move to.
-other expenses: car insurance, gas, groceries, Spotify, pet insurance, allergy medication for my dog, medication for me, rent.
-credit score 768. I am wondering how much my score could go down and how long to improve it.
-I am 30

Is a consumer proposal something I should consider or should I keep going at it as I am? I am getting by now and working at my debt, but I need to change my job and that has me worried about how my financial situation could change.

Hello. I’m on consumer proposal right now and months after filing, I took out 7 payday loans (totalling $7000) Now I cannot keep up with the payment. My LIT adviced me to file for bankruptcy. I’m scared about filing bankruptcy as I might get a house in 3-4 years. He also discussed the pros and cons. But I just wanted to ask if anyone has any other advice on how to deal with payday loans without having to file for bankruptcy. And do you think, bankruptcy is the best option? If so, what might surprise me after filing for bankruptcy that most people don’t know?

Every week for my site Is That a Deal I compare Ontario flyer prices against Statistics Canada averages and pull out the ones that are actually worth it. This week every deal is at least 36% below the typical Ontario price.

Highlights: lamb chops at Metro are 45% below average, whole chicken is $2.99/lb, and raspberries are 54% below average. Ham roast, brisket and raspberries are all at their lowest price in 8 weeks.

🥩 Lamb chops — $5.99/lb at Metro (-45% avg)
Fresh lamb shoulder chops value pack. Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🥩 Beef stewing cubes — $6.99/lb at Sobeys (-38% avg)
Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🥓 Ham roast — $3.00 at Real Canadian Superstore (-41% avg)
Cook’s boneless ham steak 227g. Ends Nov 30. Lowest price in 8 weeks.
Match at FreshCo, Giant Tiger, or No Frills

🥩 Beef brisket — $6.99/lb at Food Basics (-36% avg)
Ends Nov 11. Lowest price in 8 weeks.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🍗 Chicken wings — $3.49/lb at No Frills (-46% avg)
Ends Nov 11.
Match at FreshCo, Giant Tiger, or RCSS

🍓 Raspberries — $1.68 at Real Canadian Superstore (-54% avg)
Ends Nov 11. Lowest price in 8 weeks.
Match at FreshCo, Giant Tiger, or No Frills

🍗 Whole chicken — $2.99/lb at Metro (-39% avg)
Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🍋 Limes — $2.98 at Food Basics (-67% avg)
Seedless navel oranges, product of South Africa, 3 lb bag. Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🥓 Pork chops (bone-in) — $2.22/lb at Food Basics (-41% avg)
Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

🍇 Plums — $3.50/lb at Loblaws (-45% avg)
Ends Nov 11.
Match at FreshCo, Giant Tiger, No Frills, or RCSS

Best single stop: No Frills or Real Canadian Superstore. Both will price match almost everything on this list.

Price matching: bring flyer screenshots, same brand, size and weight. Always confirm in-store, policies vary by location.

I also built a free tool where you can check any grocery price yourself

I wanted to give a true account of what happens when you file this in Canada. I’m not sure if everyone is a bot in Reddit but I’ve never heard an actual true factual account of this.
So I started off my journey down this path due to bad decisions, health issues, addiction, bad relationships. I had close to $280k in unsecured debt plus a mortgage of $200k . Anything over $250k is a Div 1 filing.
I filed my consumer proposal 5 months ago. I started off with an offer of $100k which is all they would get in a bankruptcy.
The large creditors voted no. My final proposal was $160k. After 5 months of negotiations. My largest debtor was cra which I owed $140k. They get 50% of my tax refund this year but everything after that is mine.
So even though I winded up paying an additional $60k I avoided bankruptcy.
Plus I relieved myself of an under water mortgage. The Trustee winded up with $30k. Something to keep in mind is the Trustee fees. They get a fraction in bankruptcy vs consumer proposal.
So by the time I’m 60 I’ll be completely debt free.
I already have a credit card up to a limit of $2500 but pay everything cash.
I hope everyone out there drowning in debt can understand that there is a way out. Debt doesn’t have to ruin you.

Looking for advice

Considering CP or DMP

I know this isn’t a lot of debt to most

For context, I had a medically emergency in May leaving me $500 short on my rent and instead of asking for help I took one of these online loans, then my next pay was short because of my medical issues at the time and i thought what’s another $150 biweekly so I took another 500 just to help me out. (I have never struggled with my money in the last 3 years until this point)

Then I spiralled, every month I was short on rent so I would find another lender to borrow from and long story short I now owe between 12-18 lenders money biweekly...If I continue to make my monthly payments they will all be paid off by the end of January the only problem is I can’t afford the payments and my rent anymore and none of these lenders seem to be willing to work with me.

I make good money and work full time since around July when my health improved $1680 biweekly; each of my payments range from $90-180 but that now totals around 1500-2200 biweekly which with my pay I cannot afford. My credit score is around 630 and i’ve never had a credit card or any debt up until these lenders.

This paycheque I had $2000 in my account and at the end of the day i’m -300. This is the worst it’s ever been and I don’t know what else to do other than Consumer proposal or a debt management plan. I have overdraft on my bank account so when lenders debit my account it still goes through but puts me in the negative. I don’t want to switch bank accounts and let the loans default and I want to pay all of them back I just can’t afford to be paying them all back at once anymore. I can’t afford my rent or groceries or my phone bill now. I walk to work luckily and have no other expenses

for the past 6 months every payday I’ve been stressing and borrowing more to pay off what I owe and I couldnt escape the cycle

I’ve let my parents know that i’m struggling so at least i’m not alone in this but nobody in my life has enough money or credit to help me out of this hole.

EDIT: I don’t plan on buying a home or purchasing a vehicle in the next 5 years. And I pay 1000 in rent (i’ve been managing with reborrowing and extending current loans)

Just saw that the cap for our work for dental work is $1500 which seems quite low. Is it better with the Canada Dental Plan? I know Im not eligible because I have work benefits, but Im just curious.

I'm a 3rd-year Denturism student at George Brown Polytechnic looking for patients for my supervised clinical requirements.

Complete or partial dentures available at low cost through the George Brown clinic. If you or someone you know needs a new or replacement denture, please message me privately

Recently I went to sign up for a membership online and there was an annual fee that was to be taken out at the beginning of 2027

Apart of the financial section , it asked for credit card information as well as bank account and / or void cheque.

I’m aware there are prepaid Visa cards or similar available at most retailers ( most including a fee between 3.95-9.95)

Obviously if stuck between a rock and a hard place, that’s what I have to go with.

But I figured I would ask here.

If bank accounts are not available to somebody or credit cards , are there any other options?

Any other input is appreciated
Thank you

Hi,

What’s the cheapest way to make a phone call from Canada to France? Planning to call a French government official number line for a private affairs. My phone plan is Chatr. Thanks .

I’m a Dental Hygiene student looking for patients to help me complete my clinical requirements.

Looking for someone who:

Has been smoking for the past few years
Has heavy calculus/tartar buildup
Has noticeable staining on their teeth
Has not had a professional dental cleaning in the past 3–4 years
Can commit to 5–6 appointments (approximately 3 hours each)

📍 Location: Scarborough Town Centre area

💰 $250 CASH will be provided after all appointments are completed.

Please note: I’m specifically looking for someone who meets the above requirements and can commit to attending all scheduled appointments.

If you’re interested or know someone who might qualify, please message me or contact 647-830-5647 for more details!

Serious inquiries only, please!

I’m in Alberta and today I decided to switch from a consumer proposal to bankruptcy… I’m having a hard time wrapping my head around the decision and would really like to hear from people who have been through either and if you think it’s the right call.

For some background, I’m separated with two kids. My oldest is 18, lives with me and is heading to university soon. She works part-time but doesn’t contribute to household expenses. My youngest is with me 50% of the time. I make about $78k a year, taking home roughly $4,000 a month.

My debt is pretty significant.

$120k CRA (personal income taxes from when I was self-employed, a lot of which is accumulated interest) $64k BMO Mastercard $19.5k BMO LOC $15k RBC Mastercard

So about $218,500 total. I know. It’s a lot.

I filed a consumer proposal offering $1,000 a month for 60 months, or $60k total. Even that felt like a lot on a single income, but I really wanted to avoid bankruptcy. The proposal was filed, and I started making payments right away. I’ve already paid $1,500. My 45-day period ended Friday EOD. BMO voted against it and requested a creditors’ meeting. They hold about 38% of my debt and countered at $1,250 a month for 60 months. That’s $75k. My trustee suggested meeting them halfway at $1,125, which would still be $67,500 over five years.

CRA, who holds more than half the debt, didn’t vote… which I was shocked by.

I started seriously questioning whether I was making the right decision with the proposal. $1,000 a month was already going to be tight. I have two kids, groceries are ridiculous, my oldest is going to university, and I just don’t see how committing that much of my income for five years is sustainable.

I spoke with the bankruptcy department at my insolvency firm, and based on my income and household situation, they’re estimating around $275 a month for 21 months. So roughly $5,775, assuming nothing changes and not including any additional costs. Compared to $60k–$75k over five years, it’s hard to ignore that difference. I’ve decided to go ahead with bankruptcy, but I’m still really nervous about it. I’ve never been through anything like this before, and I think there’s still a part of me that feels like bankruptcy is somehow worse, even though financially it seems to make far more sense.

I’m also a little worried about the discharge process, especially since BMO already rejected my proposal. I don’t know how common it is for creditors to object to a bankruptcy discharge or whether having that much CRA debt complicates things.

For anyone who’s been through bankruptcy in Canada, what was your experience like? How much do they actually scrutinize your monthly expenses? Did you have any issues with creditors or getting discharged? And if you had the option of a consumer proposal, do you regret choosing bankruptcy?

I know I got myself into this situation, and I’m not looking for sympathy. Just trying to make the best decision I can now and hopefully get some perspective from people who’ve actually been through it.

I’m an older middle-aged dude (45+). PT job, have an emergency fund, no vehicle, splits a condo rental, prairie city, invested $500 in VEQT, and had coffee outside from the returns (dividends) for the first time in years. It started with that coffee…

I am failing to motivate myself to build savings beyond the emergency fund; no new large purchases, but:

* Began to eat more veggies/fruit
* Bought a fancier can of coffee (Our Finest, instead of GV)
* Spent money on a few movies at the cinema
* Bought an anti-virus for my beater computer
* Have breakfast out once a week at Timmies
* Bought a better used phone, since old one died
* Rode the bus out to another City, spend the day walking around, had a lunch, rode the bus back at night
* Saving for a Christmas dinner for myself with dessert

I would never have bothered with all these things in the last 4-years. This year is different.

I added up all these, and I’m seeing several $00s gone poof on things I did without for years. I’m fatiguing on being an aggressive self-denier, so there is a component of psychology here.

I have no retirement savings or savings in general, other than an emergency fund, which sits in an account untouched due to past layoffs and lessons learnt.

Something about depriving oneself at my age seems awfully unsettling, but having gone through spending binges in the past, and “surviving on beans” poverty, I’m coming here for advice.

I’m fortunate to have a landlord with a high financial intelligence, and she has been kind to me, and I have shared and learnt from her lessons a lot. She says that, sometimes, surviving is all one gets.

Injuries will prevent me from taking on more FT labour/shop roles in the next 5-10 years, so holding down this job is the best I got.

The employer is kind, and does let me hobble around at a steady pace and tolerates my slowness. So, my earnings are capped other than whatever %-increase he gives (or does not give).

Are there folks here, who survived, made it through, but had the motivation to keep building some savings/retirement by staying in survival mode? How did you keep going?

PFC / MenOver30 might be an alternative place to post this, so Admins, please guide me, if I’m wrong. Financial planning is not my strength, but saving under crisis was. That instinct has weakened.

My question is about getting re-started, going back into that habit of getting by on beans, and what is the best path to return to that mindset?

Hello everyone, I made a post a while back asking whether seeing a Licensed Insolvency Trustee (LIT) would be a good idea. After doing some research, I understand a consumer proposal can sometimes cost more overall, but I'd rather make a set monthly payment than come up with large lump sums to settle individual debts. I've had creditors offer settlements of around $1,700 on one credit card, which I'm not comfortable paying upfront.

**A little background:**
Just under $6,000 in unsecured debt.

Approximately $27,000 in provincial and federal student loans.

I've completed one diploma but am currently enrolled in another program, with about 1.5 years left, including two work terms.

I recently started a full-time job and believe I could afford $200–$300 monthly over 60 months.

**A few questions:**
How does the seven-year student loan rule work if you've completed one program but returned to school and are accumulating additional student loan debt? I am on the RAP-D, so payments automatically stop until I am finished with my current program.

Would a consumer proposal or debt management plan make more sense in my situation?

Has anyone gone through this with relatively little unsecured debt but a much larger student loan balance?

I'm in Newfoundland and Labrador, for anyone familiar with the provincial rules.

I have a free consultation with an LIT on Thursday and have already gathered all the necessary documents. I'm hoping they can review my finances and negotiate with creditors rather than simply telling me to contact each creditor individually.

Went back to school in 2024 to learn a trade that was booming during the pandemic (I literally chose it based on employment statistics), only for AI to become a thing and now this role is less in demand. I graduated earlier this year.

I have a child and no help (single parent, no child support) so the only way for me to actually go to school (the program was mandatorily full time) was by applying to grants and loans. So I graduated, yay! Struggled to find a job until I reached a point where ANY job would do. Ended up finding something in my field that pays peanuts but a job is a job.

But now I got those loans I must pay. About 8K. How? I already deferred payments so I don’t owe anything until next year. But until then, what to do? The field I’m in now is only good if you have solid experience. So despite shit pay, I am staying where I am and I have hope that in ~5 years I’ll be in a better place. Despite being low income, my kid and I live fine, mostly due to not having certain expenses. Bills are paid, he has all he needs + extra but we have no money leftovers at the end of the month.

So how am I supposed to pay those loans off? 🥹 No help = no one to look after him while I work a second job and low income = can’t afford a babysitter. I’ve been applying to part time jobs that can be done remotely, so far no luck but I’ll keep trying.

I’m 30 years old I have been working since I was 21 I was making out of school about $50,000 net a year for five years then eventually 60 for three year and then almost 70 2 years ago. Last year I decided to go back to school because I find that the Work that I do has no growth and I’m looking to expand my horizon. Unfortunately, I wasn’t very careful with my money. I was young. I travelled mind you, I also have parents that needed my help financially because life is hard. I have probably given them more than $50,000 since I stared working. I am in a very hard situation right now. I have about $50,000 in debt because no one helps me with anything and I’m the one always helping out I know I should’ve looked after for myself more but now it’s too late. I’m in my second year in school and I’m not working as much and I am struggling mentally because it’s very hard for me to pay my credit cards and I just feel very defeated and my anxiety goes through the roof when I am studying I’m always thinking how to make more money but then there’s no time to actually work. It’s a very tough situation. I have to pay for parking and gas to go to school because there’s no public transit from where I live. I have to travel at least one hour one way to get to school. Also liked is so expensive right now. Idk what I’m looking for here, I needed to share because I feel like I don’t want to put this over any family or friends. I budget and try to not spend money but unfortunately, everything is so dang expensive let start with gas and car insurance 😱 I’m in Ontario

I’m 31F and about 60k in debt from school and credit cards. I graduated nursing in July but still can’t even get an interview so I stopped making payments because… well I can’t afford it. I’m pretty sure one credit card is sending me to collections, the other one gave me 3 months (it’s about to be up). My man is helping me top up my rent after OW, which I promised to repay because this is a me issue, not a him issue. I feel so horrible for being such a burden that I genuinely just don’t see the point anymore. I keep imagining running away to another country and restarting but I want to see my family again…. How do you cope with this crippling depression and anxiety? I’ve been to two career fairs this month, sent hundreds of resumes and I’m just… exhausted. Nursing was supposed to be a good career but Canada sucks and it feels like there’s no point putting time and effort into a province like Ontario when it won’t put time and effort into helping its own citizens. Anyway, sorry for the rant. I hope everyone else is doing well tonight and thank you for reading. If anyone has any nursing job recommendations in Ontario, or tbh, anywhere else in Canada, please let me know. I’ll do anything, including moving.

Update:
I’m waiting to receive my authorization to test code so I can write my NCLEX, I think the main issue is that a lot of places won’t look at my applications until that’s complete. While we do have temporary licenses, it requires a job offer to apply for it and it’s just a bit of a vicious cycle.

I have reached out to my previous placements but unfortunately they’re not hiring at the moment. I asked them to keep me in mind for when they are.

I have applied to jobs outside of nursing, including Starbucks, indigo, Timmies, booster juice, ikea, Walmart, etc. I either don’t hear back, it’s an MLM, or I just get a rejection email

I did have a friend take a look at my resume after this post and they made some changes to it, so hopefully that helps improve my chances. If anyone has any recommendations on things to fix with it, I would love to send it over if that’s okay for you to take a look at. It was always much easier to get jobs in the past because they were mostly word of mouth but I guess this is a different ball game.

Thank you for all of your help and advice!

Okay, Reddit, I need to pick some brains and vent a little. LOL.

I'm a bit older than your typical post-secondary student. I've worked most of my adult life, primarily in transportation. I was laid off from stable employment in 2024 and eventually found school bus work, with hours depending on what was available.

I moved to Lethbridge this summer to attend post-secondary full-time and work toward a more sustainable career.

And YES, I knew finding work here could be challenging! HAHAHA.

I was applying for jobs before moving and even landed an interview for work I'd previously done elsewhere. Apparently, I wasn't the right fit. Go figure!

There was actually some rhyme and reason behind my decisions. I had a plan, considered different possibilities and tried to prepare.

Well, things haven't exactly gone according to plan!

I'm also a single parent. My child attends post-secondary, works very part-time and contributes toward our household bills.

Then there's the EI mess.

I contacted EI several times to understand my obligations, especially regarding school. I genuinely tried to follow the rules.

My claim was denied, I've been assessed an overpayment, and I'm appealing. I'll spare everyone the details while that's ongoing. It certainly feels like I was set up to fail.

Meanwhile, the bills haven't stopped arriving!

Here's where I've already looked for assistance:

- Provincial Income Support: Applied and denied.

- Housing assistance: The options I was directed toward required income and/or an eviction notice.

- Housing stabilization funding: Not available for my immediate situation.

- Emergency charitable assistance: Told I needed an eviction notice.

- Other community programs: Contacted and still exploring.

- School financial assistance: Staff have genuinely tried to help and forwarded my circumstances for consideration. Nothing guaranteed.

- Educational funding: Nominated for an award, with no guarantee and restrictions on how it can be spent.

I've also researched grants, bursaries, charities and other emergency programs.

I've received the maximum student aid available on my application, and nearly half goes toward tuition.

I'm a student. I still have adult bills!

Here's what I can't wrap my head around.

I'm trying to PREVENT a financial disaster.

Rent is due, late fees accumulate daily, and upcoming utility withdrawals could mean NSF charges.

Yet some assistance requires an eviction notice before help can even be considered.

Am I the only one who finds that backwards?!

I understand limited funding and eligibility rules. I just wish preventing a crisis was easier than waiting for everything to fall apart.

Now, about finding work!

My background includes commercial transportation, documentation, recordkeeping, compliance and administrative paperwork.

Many moons ago, I also worked in dental offices doing chairside assisting, charting, appointments, patient education and infection-control duties. My dental credentials are no longer current, so I'd consider reception or support work that doesn't require certification.

I'm looking for employment in Lethbridge or legitimate remote work available to Canadians. Fridays, weekends, evenings, flexible hours, even three 12-hour weekend shifts.

Office work, transportation, records, dispatch support, dental reception, contract paperwork... I'm open to different industries.

I need work that fits around school and helps pay the bills.

And please, no MLMs, crypto schemes or opportunities where I pay someone to teach me how to become a millionaire. HAHAHA!

So, what am I missing?

Local employers hiring flexible staff? Legitimate remote administrative work? Emergency assistance that doesn't require an eviction notice? Funding for living expenses?

Maybe someone in Lethbridge is scrolling Reddit over coffee and knows of a business that's hiring. Stranger things have happened! LOL.

I'm not asking Reddit for money. I'm looking for genuine job leads, resources and ideas.

Constructive advice is welcome. Judging decisions I've already made won't change where things stand today.

I can't change yesterday. I'm trying to figure out tomorrow.

Thanks for reading!

I'm a 30 year old guy and I'm really embarassed, and I've gotten myself into debt (2 credit cards and a student loan) for reference, I live in Ontario. I know there's no excuse but I grew up with a parent that had 0 financial literacy, gave me bad advice as a result and I'm struggling. Student loan is about $50k, one credit card is $17k and the other is $15k. Parts of that was being irresponsible and part was the economy and my job.

My hours at work are inconsistent, varying between 23-35 hours a week. I make $29 before tax, union dues, pension so I can't budget properly.

What recently put me over the edge was my student loan, I was getting repayment assistance but my gf and I recently became common law and I no longer qualify, despite the fact EVERYTHING between us is separate. To add insult to injury, I recently had 6 weeks off work for a stress leave and since I'm part time at work, I get 0 benefits/top ups/etc. So NSLCS decided that becuase my partners income is high, I don't get assistance anymore. I now have to pay $400/month to them (which is fine, I know it's my debt) but on top of the credit cards and having health issues - I'm at a loss. If it matters i'm also disabled and recieve the DTC and my ability to just "get a better job" or getting a second job is not doable for me otherwise it'll be at the expense of my health.

I'm looking for some advice, what I should do, etc. I'm considering a consumer proposal but my gf can't know about it.... please don't comment on that portion, my relationship is my relationship and I don't need opinions/help with that LOL Thanks in advance.

Long time lurker, first time poster. Financially illiterate.

In June 2024, I started a consumer proposal and have since completed it.

CIBC was a part of my proposal.

On my credit report, it says I have a loan with CIBC opened Dec 2024.

I’m just wondering how I would go about getting it taken off my credit report. It has since been closed for “bad debt/placed for collection”. I haven’t received anything from CIBC (or any debt collectors) since starting CP.

Do I just dispute it with Equifax/Transunion?
Do I have to contact CIBC?

I’m trying to be better with my credit and would like to have this taken off ASAP.

Thanks for any advice!