A proposal to creditors have make a lot of sense. It allows the debtor to set up a repayment plan that meets their ability to keep current.
Have a way to make regular payments and this could be the option for you. No need to get a bank to arrange a loan. This governement approved option allw you to pay your debt over a period of time. Take less than 5 years where making minumum card payments can take you 30+ years (read your bill for your exact repayment period).
9913 - 108 Avenue NW, #200
Edmonton AB T5H 1A5