Since I’ve gotten my high-interest pay advance loan, I’ve been advised to file bankruptcy. My response both times was I don’t want to file bankruptcy again, but things have changed and it is the second time that I’ve missed a payment on my pay advance loan and with my irregular income it’s not looking good for me.

I made an appointment for Tuesday, December 17 to visit a Canadian Bankruptcy Trustee. I found a local Bankruptcy Trustee Firm Called Hoyes. I’ve been watching their YouTube videos and listen to them on some podcast and so far I have a really good impression about them plus when I was setting up my consultation appointment I found the phone reception to be lovely.

Now if you have been reading my blog or watching my youtube channel videos. I’ve briefly mentioned I filed for bankruptcy for the first time in April 2010 it was at the time when my bipolar disorder was at its worst.

Having financial challenges and living with bipolar disorder are pretty common so I am normal.

So let’s look at some of the positives and know that I am doing the best I can and hopefully I can recover quickly if something I’ve decided has gone out of alignment.

I am on a budget and I follow my budget, I am educating myself around personal finance and I am using my tools from therapy to make better decisions. I am finding helpful ways to stay accountable one of them is writing this blog and making YouTube videos and of course I stick to my drug therapy to lessen my bipolar disorder symptoms and I’m attending regularly my psychotherapy sessions. You want to know a secret even with all that in place sometimes things go out of alignment and there is no magic pill for anything. I have a chronic health condition that requires lifetime management.

I’ve been in denial that I’ve overwhelmed myself with debt repayments without having a consistent stable income, I sometimes ignore my limitation due to living with bipolar disorder so this why I am looking at my options around filing bankruptcy.