Struggling with Debt?

We can help. Our Consumer Proposal Service can reduce your debt by up to 70%

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Our Debt Options Calculator will provide you with a break down of all your options.

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Helping Ontario & Quebec Customers

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Consumer Proposals

A consumer proposal is a formal, legally binding process you make with your creditors to pay back a percentage of what is owed to them or extend the time you have to pay off the debts, or both. It protects you from creditors’ harassing phone calls, garnishments, and legal threats.

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Credit Counselling

If you’re stressed by cash flow problems, creditors calling, or the inability to meet your debt obligations, the credit counselling professionals at Doyle Salewski can help…

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Bankruptcy

If you're unable to find another solution to your financial difficulties, bankruptcy may be your best option - get a fresh start on your financial life...

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Can my consumer proposal be refused?

A proposal can be refused, but if it’s reasonable, your creditors are likely to accept it. If a majority of your creditors feel that your consumer proposal is not reasonable, they may reject it...

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How do creditors vote in consumer proposals?

In a proposal, creditors file a proof of claim with the trustee. The trustee then validates and accepts the claims, with each dollar of debt representing one vote....

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What if one of my creditors votes against my consumer proposal?

If a creditor votes against your proposal but does not request a meeting of creditors, the vote is not taken into consideration. If a creditor does request a meeting of creditors...

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