r/povertyfinancecanada

Hi all. My mom, who is a low income senior and 91, needs some tooth extractions. I did not realize that I was supposed to renew her government dental plan before June 30th (she never had tooth problems and rarely went to dentists). Now, I read that she must reapply and wait 6-8 weeks. She is in a lot of pain and you cannot get reimbursed later if you pay for the treatment.

We paid for her X-rays out of pocket but I am wondering if there is anyway for her to get government subsidized care now....surely there has to be something in place??

I know I can try to get an emergency appt at the clinic affiliated with the Dental school for lower cost, but I feel like there has to be something else we can do...?

Thank you

I knew my Mom is terrible with money and fucked for retirement. I recently thought that maybe her and I can save towarda buying a duplex together in a few years so that I could be there for her as she ages. I'd take on more of the financial burden and be there for her as she retires. I knew she had debt. She made a passing comment once about "just wanting to win 50k to pay of her credit card". I thought she was exaggerating. She wasn't.

She makes about 3k a month after taxes. I don't know how the fuck she dug this hole.

Should I urge her to talk to someone about filing for bankruptcy? I know it isn't some get out of jail free card. Morally, she should do her best to repay her debts, but, she's fucked.

I was wondering how much did you get? I expected more as a person with low income but no children. This is the first batch of the regular payments that start in July.

Looking for volunteers to help me complete my dental hygiene program (North York)

Hi everyone!

I'm currently a dental assistant with over 10 years of experience, and I've recently started my dental hygiene program in North York.

As part of my clinical requirements, I need to find volunteers who are willing to come in for dental hygiene appointments. I'm hoping to connect with anyone who has been putting off a cleaning or doesn't currently have dental coverage.

Appointments are completed under the supervision of licensed dental hygienists and instructors. Since this is a teaching clinic, it usually takes multiple appointments to complete everything, but the care is very thorough.

The clinic charges a small patient fee for adults, while children and seniors are seen at no cost. Depending on your needs, additional preventive services may also be available at little or no additional cost.

If you'd be interested in helping a student complete their clinical requirements while receiving dental care, I'd really appreciate hearing from you. Feel free to send me a message with any questions.

Thank you!

Got "temporary layoff" from my low pay tech job. I've filed for ei already. Would I still receive it if I work 3 days a week at a local cafe while looking for something else?

Thanks!

Hi, as far as I know anyone expecting this has not recieved yet, multiple different banks. Has anyone else experienced this?

I was given the suggestion of a consumer proposal for my mom who has a large amount for personal debt. (100K +)

I looked up some reputable orgs but the first one didn't seem willing to put in any effort and it seems to be because of the house. (I'm having them also contact some additional agencies but a recent issues with there banking has come up and this has been paused until that's sorted) They house still has a mortgage but as an asset would still be worth more than the debts. He basically said to take out a heloc and pay of any high interest debt with it.

The house always use to be in my dad's name but sometime in the last few years the bank had put it in both(Not sure how that happened, he didn't want to follow up with the bank about it)

I'm guessing it might not matter anyway since it's marital property. Is there anyway she might be able to still get some of the debt forgiven through a proposal that does not involve divorce of house sale. Thanks

OK so I filed for bankruptcy last October. I am on social assistance in Quebec. Coincidentally my 9th and final payment to my trustee comes out today…..should have been a happy day, right ?

Even with a huge CRA debt(that is included in my bankruptcy ) , I have been receiving all kinds of back dated GST payments , the recent top-ups, as well as all the quarterly solidarity payments from Quebec(I never owed them as I moved back to QC in 2021 after 20 years in Alberta ). My welfare always comes in at midnight in my BMO account

So today, no CRA groceries benefit or Solidarity. I am sure this has EVERYTHING to do with my bankruptcy filing, as July 3rd payments are the first ones based on 2025 tax returns, which the trustee alresdy filed on my behalf

I will eventually get to the bottom of this, I just was really counting on that cash this month, after my rent is paid there’s nothing left(starting August I am $211 richer now that bankruptcy payments are done) Are they stopping payments for a year or more, is it a mistake, are there some debts that maybe aren’t getting written off?

If anyone has been in a similar situation, please comment, much appreciated

I understand they can vary depending on workloads at Service Canada, seasonal work and that sort of thing too.

Has anyone applied/received a decision in the last week or two?

I’m in rural NS if that makes any difference.

Hello there, On july 3rd if I am expected to receive a deposit of $160 & if I owe $650 in taxes to CRA, do you think they will deduct all of it ? —-

P.S — the amount has been deposited, its all okay now..
There were no partial deductions or whatever !
Its all okay….

Hi guys I’m currently waiting for my $1060 welfare cheque to deposit and noticed that my Allure Mastercard had taken $276 from it as payment while processing. I am with National Bank.

I have been unable to make payments on my card due to a broken leg and being unable to work but desperately needed the full government cheque to pay my rent this month. Is it legal for them to take from welfare cheques?

Today is Canada Day so I’m unable to call them but will be contacting them first thing tomorrow, I’m just uncertain how to get $3500 debt under control while I’m unable to work and may have to do a consumer proposal. I will be opening an account with Simplii for my next cheque so this doesn’t happen again. Any knowledge or advice would be greatly appreciated!

EDIT: this is what I’ve found on google please let me know if this is accurate: “No, a credit card company or bank cannot legally take your BC Income Assistance payments to cover credit card debt. Provincial social assistance funds are entirely exempt from seizure.

If $270 was removed from your account, it usually happens because of a loophole called the Right of Offset. If your credit card and your bank account are with the same financial institution, the bank's system can automatically take money from your checking account to pay your card. However, doing this to protected social assistance funds is a violation of your rights.”

ive never applied for student loans before but will definitely need some for MACP. The school said online students aren’t eligible for student aid BC and I reached out to cafe-csfa-response@ hrsdc-rhdcc.gc.ca

their response was just redirecting me back to their website instead of letting me know if Yorkville students could apply to online student loans. Or if CSFA is different than student aid BC

does anyone know how/where to apply for federal student loans in BC as an online student and what the process of that would be ?

help would be greatly appreciated!!!

also I’ll be attending Yorkville for MACP as an online student

Hello everyone,

​I am currently $20,000 in debt. I’ve been speaking with BDO, and they have proposed a consumer proposal where I would pay $250 a month for 60 months, which totals $15,000.

​To be honest, paying back $15,000 on a $20,000 debt feels excessively high to me.

​Has anyone else negotiated a better reduction with a similar debt load?

​Should I accept this offer, or is there room to push back?

​Appreciate any advice or insights from people who have been through this process!

Hi folks,

I am a very low-income individual who has some savings accumulated over years around $10,000. I’ve parked them in a bank to benefit from promotional interest rate. The interest rate extra income is modest (around 5%). I’ve forgotten this is not TFSA and I almost panicked. Do I have to pay interest on these extra interest cash?

Thank you so much

Hello

I am currently receiving CPP-D (I have metastatic breast cancer and have been in treatment long term) and we receive CTB for our 2 kids.

We currently am under a consumer proposal with a monthly payment of $600 for the next 5 yrs.

We make sure to always pay our household bills, car insurance and CP payment before spending any money on anything else. But the money is gone as soon as it comes in.

I am looking to offset that $600 payment but also stay within the allowed earnings for cpp, which I think is around $500/month, with some sort of work from home job. I spent most of my adult life working in call centers (inbound and outbound) so I have extensive customer service experience.

Looking for legitimate companies or suggestions on freelance work.

Also any suggestions on helping to offset the cost of groceries (located in Atlantic Canada). I am already using foodhero and flashfoods, shoping sales, using points. Is there still apps that pay for scanning receipts or anything else I could be doing to help with this?

I'm currently paying off credit card debt from when I was younger and mentally ill. The balance is $16500 right now. I've been consistently paying $500 a month for the past year and a half but with 22% interest that's only taking it down by $200 a month.

I own my car, have a stable job and affordable rent at my apartment. No other debts. $500 is the maximum I can afford at my salary. I've kept the card locked since I started paying it off.

Is there any way for me to pay at a lower interest rate? CIBC Visa in Alberta

2018 Honda Pilot
Mileage: 349,800 km (approximately 350,000 km)
Loan remaining: 36 months
Interest rate: 6.44%
Bi-weekly payment: $230
Payment history: Multiple late payments
Estimated repairs: Over $10,000
Current situation: Recovering from foot surgery (toe’s amputation), unable to work for several months, and currently unemployed.

Known Issues
Timing belt replacement: $1,500+
Transmission problems
Fuel pump vibration/noise
Engine failure
A local mechanic recommended installing a used engine with approximately 60,000 km for $5,500, plus labour, as the most cost-effective option.
Honda replaced the fuel pump under a recall about a year ago. However, approximately 14 months later, the fuel pump issue has returned.
Given the vehicle’s condition, high mileage, significant negative equity, and my current financial and medical situation, what are my realistic options?