I feel like I’m drowning

, Male (30), took out a loan with Easy Financial in the amount of 10,000. Yes, I know that was the dumbest choice I could’ve made, but I desperately needed money at that time due to an emergency

Repayment was going good, until months later three deaths happened on my side of the family causing me to take off work, losing money. Also had to pay funeral expenses

I couldn’t pay and the file got sent to CBV collections. I tried to work out payment arrangements, but they said they couldn’t do that. Communication with them stopped as they didn’t get back to my emails or calls

Cue to now, I have KSI law calling me. They said on the voicemail if I didn’t call back in 48 hours they would sue. I called where I was told they also can’t do payment plans or arrangements. They want me to take another line of credit (from what I understand apply for another loan through them and pay them back monthly) or pay the balance in full

I don’t have that money. I work one job, a 9-5, and have a little girl to help provide for. I don’t have any assets either. Live with family, no court ordered child support but do send money to my daughters mother

I’m honestly at a loss on what to do or where to go from here. I’m super depressed, and was hoping for some guidance. I’m scared they will take me to court

I am looking into a consumer proposal since with interest I owe over 12,000 now. Is there any information I should know about that

I live in Canada