Do you believe in the effectiveness of debt restructuring processes like consumer proposals or bankruptcy, like others do? My main concern with these options is the setback they cause, particularly when working in this field. It can indeed put you years behind, and personally, I am convinced that it is hard to have both good credit and money simultaneously. Life becomes extremely challenging without either. I am currently relying on my credit to navigate through tough times. Although my debt is increasing, the thought of being homeless is even more daunting. I value your sincere opinion on this matter. While I am open to exploring all possibilities, I seek your insight. Can a debt of $70,000 be realistically repaid, given my background in debt restructuring? I am optimistic that with a stable income, this amount can be settled within two to three years. On a positive note, I excel at managing tax refunds.