Consumer Proposal in Kingston, Ontario

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Selecting the Right Debt Solutions Professional in Kingston, Ontario

Many Canadians grapple with the weight of debt, facing emotional and financial challenges. Managing this burden can be overwhelming, but the Kingston Licensed Insolvency Trustees at Chande Debt Solutions are here to assist.

Whether you’re striving to eliminate credit card debt, break free from an oppressive personal loan, or seek other debt solutions, our professionals are dedicated to achieving debt relief in Kingston and surrounding areas.

The seasoned Licensed Insolvency Trustees at Chande Debt Solutions are your top choice for financial debt relief in Kingston. We prioritize finding the right solution for your unique situation and understanding the gravity of decisions like filing a consumer proposal or bankruptcy. Our commitment is to ensure you are well-informed, and we offer free consultations with no time constraints.



Consumer Proposal

A consumer proposal offers an efficient solution if you’re grappling with credit card debt, tax debt, or personal loans. This legally binding contract between you and creditors consolidates and settles your debt for less than the owed amount. Only Licensed Insolvency Trustees like Chande Debt Solutions can file consumer proposals.

Our LITs will assess your financial situation thoroughly to determine realistic monthly payments. Upon creditor approval, you make monthly payments, and once all conditions are met, the remaining debt is discharged.

Key benefits of a consumer proposal include:

  • Discharging up to 75% of your debt
  • Halting legal actions like wage garnishments or frozen bank accounts
  • Ending collection calls
  • Retaining all assets, including tax refunds
  • No additional interest on included debts

Debt Consolidation Vs. Consumer Proposal

Debt consolidation involves securing a loan to merge various debts under one, preserving credit scores and financial control. However, it may require collateral and does not address underlying issues or prevent further interest accrual. While impacting credit scores, consumer proposals discharge a significant portion of the debt, halt legal actions and collection calls, and eliminate additional interest.

Personal Bankruptcy

Considered a last resort, personal bankruptcy offers a radical approach when paying back debts becomes unfeasible. This relatively quick and cost-effective solution can discharge debt in as little as 9 months. It is critical, however, to remember that in a bankruptcy, you will lose any non-exempt assets you own.



Our experts provide comprehensive financial assessments for those seeking emergency debt relief in Kingston or dealing with mounting credit card, tax, or personal loan debt. We guide you through available options, ensuring your chosen solution brings genuine relief rather than just repackaging debt.

The experienced Licensed Insolvency Trustees at Chande Debt Solutions are dedicated to finding the right debt relief solution for you. Our free, time-unlimited consultations prioritize informed decision-making.

Ask us about bankruptcy options

See What Your Debt Repayments Might Look Like

Our debt calculator provides a comparison of what your monthly debt repayment might look like under different debt relief options including a debt consolidation loan, debt management plan and consumer proposal



Serving Kingston and Nearby Areas

Your Trusted Partner for Debt Relief in Kingston, Ontario


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