Consumer Proposal

In cases where neither debt consolidation nor debt negotiation can adequately address your financial challenges, there’s another avenue: a Consumer Proposal. Here’s how it works:

  1. Assessment:
      • We thoroughly evaluate your financial distress.
      • If your situation is dire and other options are insufficient, a Consumer Proposal becomes a viable consideration.
  2. Administrator of Consumer Proposals:
      • We connect you with a compassionate professional who specializes in Consumer Proposals.
      • This administrator will work with you to create a formal proposal to your creditors.
  3. Proposal to Creditors:
      • The Consumer Proposal outlines a plan to repay your debts.
      • Creditors are asked to accept reduced payments based on your income and circumstances.
      • The goal is to make your debt manageable while avoiding bankruptcy.
  4. Benefits:
      • Reduced Debt: You pay only what you can reasonably afford.
      • Legal Protection: Once accepted, the proposal is legally binding.
      • Avoiding Bankruptcy: Consumer Proposals provide an alternative to bankruptcy.

Remember, financial challenges can be overwhelming, but there are compassionate solutions available. Let’s explore the best path forward for you and your family


415 Oakdale Road
Suite 208
Toronto, ON M3N 1W7


Mon - Fri: 9 AM - 7 PM
Sat: By Appointment
Sun: Closed