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A Consumer Proposal is a legal process allowing a debtor to keep their assets and make a settlement with his/her creditors while avoiding bankruptcy.

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The information provided on this website does not, and is not intended to, constitute legal advice or an offer for services that can only be provided by a Licensed Insolvency Trustee. All information, content, and materials available on this site are for general informational purposes only. While we strive to provide accurate and up-to-date information, it may not always reflect the most current legal or other developments. Visitors to this website should not act upon the information provided without seeking professional legal or financial advice. This website may contain links to third-party websites for the convenience of the reader. Solutions Credit Counselling Service Inc. and its offices do not recommend or endorse the contents of these third-party sites, and we are not responsible for the accuracy or reliability of any information, opinions, advice, or statements made on these sites.
The information provided is general and educational information about the Consumer Proposal process.
Visitors are encouraged to consult with a qualified professional for advice tailored to their individual circumstances.

More About Consumer Proposals

The purpose of a Consumer Proposal is to provide a debtor or a bankrupt with an opportunity to keep their assets and modify his/her payments to creditors by extending the time for payment or reducing the amount to be paid, over a maximum period of five years.

Executions, garnishees, and other actions by creditors will be stopped once the Consumer Proposal is filed.

To qualify to make a Consumer Proposal, a debtor must owe between $1,000 and $250,000, and be a resident of Canada or have property in Canada. Citizenship is not a requirement to file a Consumer Proposal, therefore it’s a great solution for dealing with debt. An individual who has filed an assignment in bankruptcy may make a Consumer Proposal if the Inspectors, if any, have given their approval.

To speak directly with an expert, contact Debt Canada at:

Local 604-588-9491
Toll-Free 1- 877-588-9491
Fax 604-588-9007
Email ac.adanactbedobfsctd@ofni
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