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consumer proposal


7 Things You Should Know About a Consumer Proposal

Whether you are going through a period of financial hardship, are burdened with credit card debt or have had a significant change in your income, there are many reasons why you may be behind on payments. A consumer proposal is one of the most common debt relief options chosen by Canadians struggling with debt. This […]

Can You Cancel a Consumer Proposal


Can You Cancel a Consumer Proposal?

Financial difficulties can be overwhelming, and a consumer proposal might offer a workable debt relief option for many people. With a consumer proposal, you can make a manageable monthly payment to your unsecured creditors while stopping interest payments for up to five years. A consumer proposal is an effective approach to settling your debts if […]

car loan in consumer proposal


Can You Include Your Car Loan in a Consumer Proposal?

A consumer proposal might be a lifeline for those overwhelmed by debt during hard financial times. A binding agreement between a debtor and their creditors enables debt repayment at a more reasonable pace. However, many people are unsure how a consumer proposal may affect their current auto loan or their ability to get a new […]

guide to debt consolidation


Consumer Proposal as a Comprehensive Guide to Debt Consolidation

In today’s world, managing debt can be a daunting challenge. Many individuals find themselves overwhelmed by mounting bills, high interest rates, and the stress of financial instability. If you’re in this situation, you’re not alone. Fortunately, there are solutions available, and one of the most effective options for Canadians facing financial hardship is the consumer […]

consumer proposal toronto


How Are Consumer Proposal Payments Calculated in Canada?

Unfortunately, there is no consumer proposal payment calculator for Ontario or Canada. The cost of a consumer proposal varies in each case, depending on income, assets and debts. However, consumer proposal payments typically come to about 30-40% on the dollar.  The logical follow-up question is: How are consumer proposal payments calculated in Canada? This blog […]



What is a Consumer Proposal and How Does It Work?

A consumer proposal is a legal arrangement between a person (referred to as a consumer debtor or simply a debtor) and their creditors in which the debtor pays back (often) only a portion of the amount that is owed to their creditors over an extended period of time (up to 60 months).  A consumer proposal […]

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