WHAT WE OFFER

CONSUMER PROPOSAL

A Consumer Proposal (applicable in Ontario and all other Canadian provinces) is a formal agreement between you and your creditors. It includes an offer to your creditors to settle your debt for an amount that is less than the total amount owing. This can result in as much as a 70% debt reduction. More importantly, it allows you to keep your assets, your car and your home.

An example of paying off $ 100,000 in debt through Debt Consolidation vs. a Consumer Proposal:.With a Consolidation Loan of $100,000 (at 15% interest and monthly payments of $2,000), you would need to pay an additional $157,000 to get out of the same amount of debt. A Consumer Proposal avoids these additional cost: you would only need to pay $30,000 over 60 months to become debt free.

NO UPFRONT FEES

There are no upfront fees. Our initial consultation, in which all of your options are reviewed, is free. When working with other solution providers you are often required to pay a consulting fee upfront, even if you decide to take no action.

FLEXIBILITY

You have more flexibility in managing your monthly expenses, because the amount you have agreed to pay can be paid out over 5 years..

ONE MONTHLY PAYMENT

You generally make one monthly payment to your Proposal Administrator, who disburses the funds to your creditors..

CONSUMER PROPOSAL

NO UPFRONT FEES

FLEXIBILITY

ONE MONTHLY PAYMENT

The Advantages of a Consumer Proposal.

YOUR PATH TO DEBT FREE STARTS HERE