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Je Gk Inevitable bankruptcy for a teacher on sick leave - The Times Hub

Inevitable bankruptcy for a teacher on sick leave

Inevitable bankruptcy for a teacher on sick leave

Struggling with recurring anxiety and depression, Carmen has struggled to maintain her financial stability. The pandemic has further aggravated its difficulties.

Carmen is a teacher and has often been on sick leave due to her fragile health. Not only does she suffer from diabetes, but she has also struggled with depression for several years.

It was a financial roller coaster, pushing her to use her credit cards to make ends meet. Today, she finds herself with balances of over $ 23,000.

She also racked up $ 1,500 in electricity bills and still owes $ 10,500 to the provincial and federal revenue departments. Finally, she was seriously behind in the repayment of her student loan, which reached $ 25,875 with interest. In total, she therefore finds herself with nearly $ 61,300 in debt and things will get even worse.

Last resort solution

The pandemic has increased Carmen’s anxiety. As her diabetes is a risk factor for COVID-19 infection, her doctor advised her to stop teaching temporarily, until she receives the vaccine.

Since then, she has received the Canada Economic Stimulus Benefit (CEP), which provides her with a gross income of $ 1,000 every two weeks. However, this amount barely allows him to pay his basic expenses. She is looking for a telecommuting job that would protect her health while providing her with a better income, but so far it has not been successful.

To break the deadlock and find a solution to her financial problems, Carmen decided to consult the firm of licensed insolvency trustees Raymond Chabot. After taking stock, the senior financial recovery advisor, Patricia Roy, offered to go bankrupt.

“In her case and given the uncertainty over her finances, this is the best solution,” she said.

Freed from debts

By going bankrupt, Carmen will be freed from all her debts. Credit cards, unpaid bills, but also tax debts and student loans.

“Student debt can only be included in bankruptcy if it has been more than seven years since the person finished school. This is the case with Carmen who completed them in 2009, ”says Ms. Roy.

Please note: the official end of studies is the date on which the educational institution certifies that you stopped studying for the last time, full-time or part-time. Returning to the school benches therefore resets the counter to zero, even if you have not obtained a loan for this period.

Before being released from bankruptcy, Carmen will have to pay $ 58 per month for nine months, the PCRE not being considered in the calculation of any excess income.

She also owns an automobile that she wants to keep although it needs major repairs.

“For that, she will have to ‘buy back’ her vehicle by paying into bankruptcy an amount of about $ 166 per month for nine months. She also plans to set aside $ 200 for several months to pay for the repairs, ”explains Patricia Roy.

Carmen’s credit report will be badly damaged for six years after her release, but she can finally get on the right foot financially.

His financial situation

ASSETS:

  • A vehicle: value of $ 1,500

CONSUMER DEBTS:

  • Credit Cards: $ 23,330
  • Unpaid electricity bills: $ 1,560
  • Student debt: $ 25,875
  • Tax debt: $ 10,500

Total consumer debt: $ 61,265

MONTHLY GROSS INCOME

  • PCRE: $ 1,000 every two weeks

Total revenue: $ 2,000

MONTHLY EXPENSES

  • $ 1,950 (including rent, electricity, insurance, groceries, auto repair, buyout of his vehicle from creditors, bankruptcy payment, etc.)
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