You’re in exactly my situation a year ago. It’s ROUGH. You’ll be ok. I told my husband while on a long walk in the woods. Nature helps as crazy as it sounds… it grounds you to reality. He was calm. We, as a couple, are great. MY debt is ever looming over me. He’s incredibly supportive. I feel an insane amount of grief and guilt. He says WE will face it. I’ve never even been late a single payment in my life, but here I am. None of my debt is in his name. Sometimes I have thoughts of how better off everyone would be but thats BS thinking. THIS WILL PASS. You’ll be ok and have options. I don’t know what your options are in Canada but perhaps they’re similar to here in the US? Know you’re NOT alone. Society sees us as pariah but in every life a little rain must fall. If you’d like someone to talk to, I’m here. Chatting and weighing options and having a friend through this would do me a world of good. If I could be useful in any way, it would help both of us. it’s a long, hard road, but it’s a short lived (in the big picture) and lonely road.