Stopping Wage Garnishment with a Consumer Proposal

A consumer proposal stops virtually all attempts to garnish wages in Ontario.

At Hoyes, Michalos & Associates Inc., if you file a consumer proposal with us at 9:00 am, by noon that same day we can usually have a court order faxed to your employer, stopping the wage garnishment.

That’s right: in most cases we can notify your employer to stop a wage garnishment within a matter of hours after you have filed a consumer proposal.

The most common exception would be wages garnished for child support or spousal support, which cannot be stopped by the filing of a consumer proposal.

Who can be Prevented from Garnishing your Wages in Ontario with a Consumer Proposal?

A consumer proposal will stop garnishments obtained by:

Banks;
Credit card companies;
Canada Revenue Agency;
Pay day loan companies;
Credit unions; and
Virtually all other types of creditors.

What’s the Catch?

The catch is that we can’t notify your employer to stop the wage garnishment until you have officially filed your consumer proposal. You must take action immediately.

If you Contact Us today, in most cases we can book you an appointment to meet with one of our professionals within 24 to 48 hours, Monday to Friday.

To speed up the process, you can download our Fresh Start application form and complete it and bring it with you to your meeting with us.