Avoiding bankruptcy may also be possible. You may be able to consolidate by way of a debt consolidation loan, do an informal debt settlement or if you just need a little discipline a debt management program with the assistance of a reputable, qualified credit counsellor may fix your financial problems and help you fix your credit.

Another alternative may be a consumer proposal. Filing a consumer proposal in Saskatchewan has all the benefits of a bankruptcy. Consumer proposals will stop garnishments and stop the creditors calling.