I dont have a lot of income, want to avoid bankruptcy

Welcome to the forum! Depending on the type and amount of debt you have, a debt consolidation or debt settlement program might help you avoid bankruptcy and get you back on track.

If you haven't done so already, I would suggest registering for a free, no-obligation debt consultation that this forum provides. A debt counselor will contact you and discuss your situation and the options available to you.

I hope you'll continue to post and keep us updated. This is a wonderful place to seek advice and support, as many forum members have or are currently going through the same things.

Got $22,780 in credit cards bill , I was so hopeful I can pay it back , now am receving "welfare" not much employment in the area , am ok moving but my payments are taking the whole $572 am receiving ,and keep paying rent , hydro ,internet with cc.
How to get out of this circle and avoid bankruptcy ? I reside in quebec ,canada