Debt Relief Experts
Can You File A Consumer Proposal Twice?
Have you previously filed a consumer proposal and find yourself in financial hardship again? Learn about how you can file a proposal again and if there are any differences about the process.
Consumer Proposals
Please Stop Paying for Consumer Proposal Representation
Should you pay for third party advice when seeking a consumer proposal? We explain what a consumer proposal administrator is and why you should work directly with a Licensed Insolvency Trustee for debt help.
Must A Consumer Proposal Include All My Creditors?
Learn about how a proposal deals with your unsecured creditors, whether you can hold back debts and how it may impact secured creditors like your mortgage or car loan.
Reviving a Consumer Proposal After It’s Deemed Annulled
Fall behind three payments and your consumer proposal will be annulled by law. If this has happened to you, find out if it’s possible to revive an annulled proposal and exactly how to do it.
How A Consumer Proposal Works
Consumer proposals care becoming more popular but are still relatively unknown too many people seeking debt help. Learn about the 4 stages of a consumer proposal, how creditor voting works, payment plans and more.
Debts You Can and Cannot Include in a Consumer Proposal
Will a consumer proposal deal with your particular debts? Find out how student loans, credit cards, business debts and more are treated in a proposal, and if it’s right for your financial situation.
Negotiating Consumer Proposals. What Your Creditors Expect.
Do you want to learn more about the negotiation process involved in a consumer proposal? We'll explain what creditors might expect in a proposal based on internal policy and who does the negotiating.
Student Loan Treatment in a Consumer Proposal
Did you know there are rules in place when it comes to the way student loans are treated in an insolvency? Find out the rules to ensure your student debt is discharged or released in a consumer proposal.
Self-Employed and Considering a Consumer Proposal? 5 Things You Need to Know
Are you struggling with inconsistent income and increasing debts? A consumer proposal may be a great option for your debt relief. This blog explains five things you need to know about them before filing.
How A Consumer Proposal can Improve Your Cashflow
A consumer proposal is a safe and reliable way to get out of debt but it can also be the cheapest in terms of monthly payments. This is because a consumer debt proposal combines two substantial... Read more »
Is a Consumer Proposal a Good Idea?
A consumer proposal is just one option for dealing with debt. As a debt relief approach it has it’s own advantages and disadvantages over other programs that help you get out of debt. For example:... Read more »
Joint Consumer Proposal: Dealing With Joint Debt
A consumer proposal in Canada is a negotiated debt settlement arrangement made between a debtor and his creditors through a licensed Consumer Proposal Administrator under the Bankruptcy and Insolvency Act. So what happens when two... Read more »
Where To Get A Consumer Proposal Filed
When you need to file a consumer proposal, where to file depends on two factors: Who is legally able to file a consumer proposal for you; and How the Bankruptcy & Insolvency Act defines your... Read more »
Are There Typical Consumer Proposal Terms?
Just like no two individuals’ debt problems are the same, no two consumer proposals will ever be exactly the same either. However the driving forces behind how a consumer proposal is negotiated do follow a similar pattern. Debt... Read more »
Making a Consumer Proposal Work With Your Budget
There are many factors to take into account when filing a consumer proposal. One of the most important factors is ensuring that the cost of your consumer proposal fits within your budget. When you are... Read more »