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If you are a resident of Dartmouth, Nova Scotia and are looking for an alternative to bankruptcy, you may want to look into a debt consolidation loan.
Debt consolidation loans allow debtors to pay off a number of debts at one time, rather than in many individual payments. Budgeting is made much easier with debt consolidation loans, and interest rates are far lower that credit card rates.
To qualify for debt consolidation in Dartmouth, Nova Scotia you must be prepared to give a copy of your monthly budget to the bank (so they can judge whether you are financially stable enough to pay), you must have some form of established income, and you may need a co-signor or collateral.