No, because with a debt management plan you’re showing a good faith effort to repay the debt through voluntarily seeking credit counseling and setting up a budget for repayment of the entire balance due.
Under bankruptcy you are either wiping out the debt entirely or setting up a payment plan to pay less than the balance [...]
In order to get out of credit card debt it takes action on your part. So whether or not you are being swallowed by the sink hole of credit card debt or you are just starting out to dig yourself into credit card debt – you have to take action before it’s too late in order to be come debt free.
With the state of the economy being what it is, many Canadians are finding themselves in bad credit situations.
Credit can seem like a never-ending downward spiral, but you can fix your credit on your own with a bit of know-how.
Quick Credit Fix
There’s really no such thing as a quick credit fix.
Unfortunately, credit takes months, sometimes [...]
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