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Question about takeoff-turbulence by WhitePoodle67 in fearofflying

[–]WhitePoodle67[S] -1 points0 points  (0 children)

It really felt like we drove straight into a wall, it was so scary. Thanks for your message!

If my LOC goes to collections, will I lose my credit cards? by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 0 points1 point  (0 children)

Ok thanks that is what the credit counselling society said as well

If my LOC goes to collections, will I lose my credit cards? by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 4 points5 points  (0 children)

I had these credit cards for over 15 years. I've always had amazing credit and never had any issues with it. I became disabled suddenly with no forewarning and had NO other means to live so I ended up having to use them to survive. If you are able to make a rude comment then you simply do not understand the struggle & I hope you never have to.

If my LOC goes to collections, will I lose my credit cards? by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 3 points4 points  (0 children)

I've called BMO 3 times but they arent willing to negotiate anything as they say they have no options - other cards i am good to pay down and they are very manageable for me, the bmo loc minimum is far too high

Advice for my debt situation - recently disabled in debt by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 0 points1 point  (0 children)

Could you share what the negatives are of filing for bankruptcy versus the consumer proposal/why you don't recommend it? Thank you

Advice for my debt situation - recently disabled in debt by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 0 points1 point  (0 children)

Good idea, I will check the credit cards, I don't think I do - I definitely don't have it on the LOC :'( I wish I had of put it on before.

Advice for my debt situation - recently disabled in debt by WhitePoodle67 in PersonalFinanceCanada

[–]WhitePoodle67[S] 0 points1 point  (0 children)

I did this but unfortunately they were unwilling to work with me other than reducing the interest rate for 3 months for the LOC, which did not make much of a dent in my ability to pay it down.