2. Talk with your Licensed Insolvency Trustee

Your will help you deal with creditors that are trying to collect money from you. The trustee can help you understand which you need to pay back. And if you don't owe the anymore, your trustee will tell the creditor to stop contacting you.

Your first meeting with a Licensed Insolvency Trustee is usually free. But if you decide to file for , you will have to pay the trustee for their services.

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