* Documents that show changes in your job. For example, you may have had your work hours cut, or you may have lost your job, or your Employment Insurance benefits have ended.

* Documents that show changes in your family. For example, you may have a new child or you may be taking care of an elderly <span class="noglossary">parent</span>.

=== Step 3: Attach your budget===

Your budget shows the people you owe money to (creditors) what you can afford to pay towards your debts. If a creditor thinks the amount you spend on something is unreasonable, they may ask you to explain why you spend this amount.