Consumer proposal for debt and bank account change

I have been swimming in debt for a while. It felt like I wasn't progressing with the high interest that I was paying on my credit cards and loans.

I decided to get help. I'm currently in the process of getting a consumer proposal. It's a government program that involves repaying a portion of your debt. A licensed Insolvency Trustee negotiates with creditors on how much you need to repay.

This proposal consolidates the debt into manageable payments. It freezes debt interest charges. It also reduces stress.

The catch is that I needed to change banks. I can't have a credit card that is a part of this proposal with a bank account that gets my pay directly deposited. When this proposal is approved, sometimes credit card companies will take money from your chequing account to pay off the credit card before it is communicated that the proposal is official.

I had to change where my paycheque would be directly deposited. The change was straightforward through our Dayforce site. 

I was a bit stressed out that I did this change on Thanksgiving Day and it was immediately approved. I didn't know when the change would kick in. Would it be seamless or would I get a cheque mailed to me?

Well, all that stress went away. My pay was deposited last night, which was early. My payday is officially on Thursday. Bi-weekly.

I'm relieved!

I asked about how long it will take for my consumer proposal to be official. I got 1.5 weeks at least. I'm approaching one week on Friday. We had Thanksgiving Day, so I need to take that day out in my calculation.

Finding my best friend from grade 7 and debating whether to contact her

I don't write as much as I used to here. It's partly life. It's partly because I am not in an intimate relationship.

I have topics to write about. I haven't prioritized posting them.

I do have some news to share. It's good news. I'm just not sure if I should take the bold step and reach out, or let the past stay in the past.

In grade 7, I was best friends with a person. I'll call her Candy. She was awesome, except that she was teased whenever someone would tap her on the shoulder or give her a hug.

I don't think we ever hugged. I didn't want to trigger anything. I never asked why she was so sensitive. I figured it out in grade 8.

We were in extended French class. We had an exercise to reveal a secret by writing it on a piece of paper. It would then be placed in a jar. Each one of us would fish out an entry, read it, and figure out who it was.

Candy asked how to say abuse in French. It caught my attention. It also caught the attention of two of our classmates.

We reported it to our French teacher. She spent a lot of time talking to counsellors after she shared what had happened to her. Our friendship started to change, well into grades 9 and 10.

She became a feminist. She didn't like eating lunch with our usual friends in the cafeteria. She preferred to eat lunch in the washroom.

We used to walk up to school and home together. All that stopped.

She changed high schools. We drifted apart. We saw each other a couple of times in Toronto. Once was when we were in grade 12. The last time was when I was in my second year of undergraduate studies. We met in a store on Yonge Street. She called my name. I said hi. That was it.

I have thought about her often over the years. I'd try searching for her online. Nothing.

I gave it a try today. Somehow, my persistence worked. It also helped that she openly stated her birthday on her Web site, right down to the year. I looked at her birthmark on her forehead and immediately knew that it was her.

She is definitely more verbally articulate than she used to be. She is far more open about being abused and her past. I didn't realize that she automatically grew up in a cult and ran away from home shortly after she changed school.

She changed her last name after she ran away from home. It explains one reason why I had a tough time finding her.

I'd like to contact her and say hi. I don't know whether that's a good idea. The abuse that she endured happened while we were best friends. She couldn't tell me anything because her abusers threatened to kill her, which is understandable.

Part of me wants to because I care that she's alive and seems to be doing well. Part of me thinks that if I do reach out, I will be resurrecting the horrible abuse flashbacks that was happening. 

I would like to think that our friendship was maybe an escape from this abuse. I just don't know.

I will sit on it and think some more. I am happy that she's doing great. She seems healthy. She is an author and an artist.