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Author:		Nicole
Date:		November 2, 1999
Question:		I spend most of my income making loan payments and want to consolidate these loans into one payment and extend the payment period. Banks will not give me a loan without a co-signor and I do not have anyone who can do this for me. I am hanging on by my fingernails and my credit rating is excellent. One false move and I could be in trouble, however, and want to take steps to avoid this. Is there another way to consolidate or must I face bankruptcy?
From:		Shane Brenneis, Collins Barrow Limited
Date:		November 4, 1999
Answer:		You may be eligible to file a proposal or depending on the province you are in, a consolidation order under the orderly payment of debt program. You will need to obtain an assessment of your financial situation to make a decision. To obtain a free assessment of your financial concerns, you should contact a Trustee in your area by looking in the yellow pages under "Bankruptcy". If you have any further questions or want to come in for a free assessment to our office, please call or email me using the information below. Shane Brenneis phone: (403) 298-1575 sbrenneis@collinsbarrow.com