The couple has been back and forth with this creditor asking to see her actual signature that she co-signed for the debt with her spouse. Finally after weeks of getting the run around, she came back in to see me and stated she just wanted to file bankruptcy again to get the phone calls from this creditor to stop. I explained to her that the creditor has an obligation under the Canadian debt protection laws to prove she signed for the debt. Until they do so, she may not want to make any arrangements to pay this debt.
The moral of the story is to try and do what’s in the best interest of the person in front of you while protecting their rights as well.