I have been unemployed for the last 3 years due to illness. Within the last year or soI was not able to make full payment on my credit line (only partial) also not making the minimum on my visa. I have exhausted any savings and RRSP to live on while being unemployed. In the last year I was able to received assistance and I am working part time 2-3shifts/week due to my health. Working minimum wage and not the wage I was making in the medical field. Do I claim personal bankruptcy? and if so, how do I make payments to creditors and trustee on the limited amount that I am making?
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