Those of you who know me will know how hard this is for me to do.  Asking for help of any kind does not come easily to me.  However, I find myself with no other choice.

I can't get a consolidation loan because I own a house; but if I claim bancruptcy, I'll lose my house.

My monthly income is $830 from Canada Pension Disability & $137 from Ontario Disability!

I'm currently about $3,500 behind in bills.  My credit card (limit of $500) is maxed out, as is my line of credit and overdraft.

Have I been smart with the above?  No,I'm ashamed to say, I have not.  Will I be smarter in the future, with your help?  Most definitely.

I am swallowing my pride and asking for your help.  I could lose my home, if I can't get this sorted.  No amount is too small.

Thank you in advance!

Jan