File A Consumer Proposal in B.C.
​*Federally Licensed and Regulated*
The Consumer Proposal
Consolidate Debt into ONE Monthly Payment
How Does A Consumer Proposal Help YOU?
You can avoid declaring Bankruptcy while still addressing your financial difficulties. It provides a structured and more manageable way for individuals to repay their debts, often with reduced amounts and extended timelines. It can be a viable debt relief option for those who are struggling but have the means to make some repayments.
A consumer proposal is a legally binding arrangement between a debtor and their creditors, facilitated by a Licensed Insolvency Trustee (LIT).
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Learn About Submitting a Consumer Proposal
NOTE: Acceptance of the consumer proposal in B.C. depends on a majority of the creditors voting in favour of the offer. If original terms are not accepted, they may negotiate final terms.