Home Ownership During a Consumer Proposal

Home / Blog / Consumer Proposal You’ve come to terms with the fact that you’re insolvent, done your research, and you think you’re ready to talk to a trustee about making a consumer proposal. But wait…what happens to your house if you do? Will you lose it? Will the bank repossess? Not necessarily. As long […]

Your Rights During a Consumer Proposal

Home / Blog / Consumer Proposal If you’re considering filing a consumer proposal, you may be wondering how it will affect things such as job security, continued harassment by your creditors, and tenancy/home ownership. In this, the sixth article in our consumer proposal series, we look at what your rights are with regard to some […]

What Happens if Your Creditors Request a Meeting

Home / Blog / Credit If you and your trustee have put together a reasonable consumer proposal, it’s likely your creditors will accept it. Why? Because proposals require that creditors be paid more through a consumer proposal than if you were to become bankrupt. Sometimes, however, one or more of your creditors may disagree with the […]

What Happens After You File a Consumer Proposal

Home / Blog / Consumer Proposal You’ve made the decision to seek help with reducing your financial stress and you, with assistance from your licensed trustee, have decided that a consumer proposal is your best option, and your trustee has filed all the necessary paperwork. That’s it, right? You’re done! Well…not quite. In this, fourth in a ten-part […]

Who can File a Consumer Proposal

Home / Blog / Consumer Proposal Who can File a  Consumer Proposal? If you are one of the many Canadians who finds yourself in financial difficulties, a consumer proposal can be a useful tool to get you back on your feet and debt-free. In this second of a ten-part series, we look at the basic requirements for making […]

Consumer Proposal: How to file in Ontario

Table of Contents Updated October 20, 2025 · Ontario guidance · Verified against OSB/CRA/credit‑bureau sources. This page explains how consumer proposals work for Ontario residents, including eligibility, the filing process, pros and cons, credit impact, CRA considerations, costs, and how to start with a Licensed Insolvency Trustee. What is a consumer proposal? A consumer proposal is a […]

4 things to know if you’re harassed by debt collectors

Home / Blog / Debt, Collection A CBC News investigation has discovered some interesting information about debt collectors. They published an article “4 things to know if you’re harassed by debt collectors”. Whether or not you have had dealings with a debt collector, you will find this article worth reading. Click here to read the article.

16×9 Global News Show – Bad Debt Article

Home / Blog / Debt Global News has also published an article “Bad Debt” about debt settlement companies. The article is a media interview with a disgruntled and unhappy debtor who has first-hand experience dealing with debt settlement companies. Please Click Here to read the article.

Five steps to reduce debt

Home / Blog / Debt Sometimes it’s the little things that make a big difference. Here are five easy steps you can take to reduce your debt and set yourself on 5. Say no to plastic—cards, not bags. The credit card itself is never the problem, without discipline they make it easy to spend money you […]

Yikes… now we have to live on one income

Home / Blog / Financial, Savings The average Canadian family has both spouses working outside the home. We live in a culture that encourages a high standard of living, often unachievable by a single salary. But whether your significant other experiences a job loss, sickness, or just wants to put more focus on family, careful […]