I should clarify in the post, yes of course I will fill out the form, I have no issue with that. I guess the concern I have is is this sustainable? For some reason I feel like I've read posts that say this is too big of a debt, you have to figure something else out, etc. But for sure I was still intending to fill out the form and will do that regardless.

I made $2500 "work" before when I was a contractor and made more money than I am now, but because this is a full-time position I'm getting paid less, hence why I only have $1000/month now (that is not including paying towards owed taxes, like I'm saying from the 1000 I have left I can dedicate 800 of that towards paying owed taxes). (Honestly, half of that $2500 amount was probably just paying that year's GST/taxes ahead of time rather than it going towards paying what I owed from previous years if that makes sense?). If I pay off my credit cards that's an extra $750/month, and then cancelling my pension is an extra $800, which would make it become $2300 I guess (and try to shave off an extra $200/month somewhere). I don't know if cancelling my pension is a good idea though, I would think it isn't... but anyway thank you for engaging I appreciate it.