I'm Still in Debt. Now What?: Your guide to the debt restructuring options available in Canada. Helping you become and live debt free.

A practical guide to your debt restructuring options in Canada and to dealing with the impact debt can have on you and your relationships. It will help readers understand their relationship with money and debt and encourage them to change it. It the habits that have been created,the mindset that no longer serves you or your goals, andthe heartache that debt does cause and is often not spoken about.We all get overextended for different reasons, even before COVID-19, and we need answers to the “Now What?” question but have been afraid to ask. This book will give you the tools to change, so do it. Pick a path and follow it. You can wear whatever shoes you want on this journey so long as they are not bought on credit. Simply put — if financial freedom is your goal, you will know how to get it. So go get it! Sheila Hawkins has a long history in the financial industry. She has worked as a bank manager, a mortgage broker, a certified insolvency counsellor, a fee-for-service financial planner, a Certified Financial Planner and a debt consultant. Her initial knowledge of the debt industry came about from her own personal journey with debt and by helping numerous friends, family members, and clients find their way through theirs. She soon figured out that there was a significant shortage of good-quality, unbiased information available to consumers. It became important to Sheila to right that wrong. She has worked for many years, advising clients about their options, their rights, and their responsibilities through the process of freeing themselves from debt. Soon she realized that it was necessary to make the information accessible to as many people as possible. This book was one of the answers.