Hi guys, recently my common-law partner filed for a consumer proposal, and he included the down payment for our house. Both of us forgot that the down payment was in both our names, and now the bank has been chasing me to take over the loan as it's in default atm. However, based on my income, I feel I could negotiate the interest and payment amounts, but the bank could not offer any options other than a line of credit with a lower interest rate. I'm debating, as I already have an unpaid line of credit from a different bank. I don't want to have two lines of credit, especially right now that I'm in nursing school and working part-time. I feel insecure because, even though my partner said he would help me to pay the down payment, I feel his finances aren't the best atm. In your opinion, what are my options? Should I stick with the regular downpayment loan or get the line of credit? I feel the bank could help negotiate it better. Also, I don't want to file a consumer proposal, as I don't feel there's any need. What are my options? Is there anything else I could try to do? Details: My current down payment loan is 150$ bi-weekly, and the interest rate is 15% For the line of credit, the same bank offered an interest rate of 10% based on my credit and a one-year interest rate 0%

Hey folks, I recently filed a claim of superannuation in my ups account, after all the Authorization required to further process it, I am stuck in NPS trust verification and approval. If anyone had resolved this issue or know about it or TAT please let me know.