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They dont want to see you file for bankruptcy, because if you do, they lose everything. In some cases, creditors will accept a lump-sum payment for just a part of what you owe. In other cases, theyll work out a payment plan with you so you can make repayments bit by bit. Then you can use the money you save on these bills to cover other expenses that are more urgent. Theres no guarantee lenders will work with you, but you have nothing to lose by asking.
If your cibc personal loans interest rates arent willing to work with you directly, you can try to deal with your debts in other ways. Some options include: Credit Counseling. A credit counselor can help you set up a debt management plan, or DMP. Under these plans, you make monthly payments to the credit counselor, and it pays your debts for you.
In some cases, a DMP can reduce the interest or penalties youre currently paying.