So here’s my situation. I filed for bankruptcy back in 2008, got discharged in April 2009 and it has since been removed or “fallen off” my Equifax credit report (not yet off Transunion). Now in 2012, I lost my job and had a credit card with a $2500 limit, had services with Rogers and Bell and am now owing a little under $10,000 to all creditors, with almost half of it being interest. I was thinking of doing a consumer proposal or sending debt settlement letters to creditors with what I can afford to pay, with the stipulation that upon payment completion, they remove the negative from my credit reports. I’m just looking for some professional advice on which route would be best. Can I hire someone to draft a debt settlement letter? Is it expensive? Knowing the debts are there is really bugging me.