From Child Support Debt to Consumer Proposal Relief

Saanvi

_{child support, consumer proposal, Chilliwack}

Saanvi, a British Columbia social worker burdened with $56,000 debt from child support, found herself drowning in unpaid bills and creditor calls. After her overwhelming situation led to a court summons, she sought help and discovered a consumer proposal. This legally binding plan allowed her to repay a portion of her debt while keeping her assets. Though the journey required significant sacrifices and adjustments, it provided much-needed structure and relief. Gradually, Saanvi’s life brightened, illustrating that while debt is heavy, practical solutions and resilience can restore financial control and peace.

_{Saanvi’s journey to regain control from child support debt.}

Name: Saanvi
City: Chilliwack, British Columbia (BC)
Occupation: Social Worker
Debt amount: $56,000
Main reason for debt: child support
Debt relief solution: consumer proposal

Debt Story

Saanvi sat on her worn-out sofa in her modest apartment in British Columbia, her head buried in her hands. The weight of her $56,000 debt felt like it was crushing her, squeezing out every semblance of joy from her life. She had become all too familiar with the daily routine of unpaid bills piling up on her kitchen counter and the incessant calls from creditors. The nights were the worst; the solitude amplified the echoing thoughts of failure and shame, filling her with anxiety, making sleep almost impossible.

Working as a social worker, Saanvi had always been dedicated to helping others. Ironically, she felt utterly powerless to help herself. After her divorce, child support expenses began to steadily drain her finances, and soon she found herself living paycheck to paycheck. Slowly but inevitably, she started missing payments. The pressure of her financial situation began to seep into other areas of her life, straining her relationships with friends and family. Once a source of support, they now became silenced witnesses to her despair, as she distanced herself in shame.

Every morning, Saanvi would wake up with a pit of dread in her stomach, knowing the day’s grind would only deepen her sense of helplessness. Her coworkers started noticing her distracted demeanor and missed deadlines, which added another layer of stress. Even simple pleasures, like enjoying a coffee with a friend, became guilty reminders of her insolvency. Despite occasional flickers of hope, such as finding a $20 bill in a coat pocket, they were often overshadowed by moments of dark despair.

The breaking point came when Saanvi received a court summons from one of her creditors. Feeling completely trapped, she knew she had to seek help or risk total collapse. Taking a deep breath, she reached out to a credit counsellor who introduced her to the idea of a consumer proposal. It seemed like a lifeline: a legally binding arrangement that allowed her to pay back a portion of her debt over a fixed period while keeping her assets.

The road wasn’t easy. She had to make numerous sacrifices, cutting back on essentials and luxuries alike. Weekends that were once filled with leisurely activities were now dedicated to budget planning and additional part-time work. The emotional toll was immense, but she was determined. The consumer proposal offered her a structured way out, reducing her debt and halting the harassing calls from creditors. It gave her breathing room and a renewed sense of control over her financial future.

As the months rolled by, the oppressive cloud that had loomed large over Saanvi’s life began to lift. She started smiling again, participating in family gatherings, and even enjoying her work. Her journey was a testament to the crushing weight of debt but also to the resilience of the human spirit. She realized she wasn’t alone; many faced similar battles. It was a sobering yet comforting reminder that financial hardship could happen to anyone and that solutions, though challenging, were within reach.