((((Pye)))) i dunno about canada but there are places here that do credit counseling and are non profits and they might be able to help you with credit once you get the bills together...it is different than bankruptcy adn they help to consolidate all the billsand make it one easy payment and they stop the interest and late fees and no more calls to you...worth looking into at any rate...dont get one that asks for moeny up front and shop around for best deal...getting your credit score up slowly but surely will help you down the road...know all about divorce...anyway, i am glad it helped and good luck!!! ~ melanie