Managing Debt With a Consumer Proposal

A Consumer Proposal can consolidate virtually all your debts without borrowing and offer to repay your creditors the portion of your debt that you can afford over a period of up to five years. You may be able to reduce your debt by as much as 50-80%, as your creditors will agree that the unpaid balance will be considered forgiven at the end of your Consumer Proposal.

• Consumer Proposals are one of only two options available to Canadian consumers that can forgive almost any type of debt, including:
  • Basic consumer debts like credit cards, payday loans, lines of credit, overdrafts.
  • Government debts such as outstanding income taxes, CERB overpayments, student loans, and more.
• Because your debts are frozen and the balance that you’ll repay (interest-free) is usually substantially reduced, your new monthly debt payments should be much more manageable than if you continued trying to make your monthly payments as before – and you’ll have a clear ‘debt-free’ date because Consumer Proposals are limited by law to a period of 60 months or less.

Your credit score or history are not qualifying factors, and a Consumer Proposal can be made by an individual who owes between $1,000 and $250,000 of debt excluding any mortgages on your residence.

• If you owe more than $250,000 there’s another type of Proposal that may be more suitable, and some different rules will apply.
• A joint Consumer Proposal can be filed by two people together (i.e. couples, business partners, etc.), doubling the upper limit to $500,000.

Read More About Debts a Consumer Proposal Can Consolidate

Consumer Proposals also offer flexibility in that you can choose to manage ‘secured debts’ (that is, debts linked to an asset) outside of your Proposal. For example, if you have a financed vehicle or a mortgage in good standing and you want to continue with those agreements, you can do so uninterrupted. As long as you continue to make the payments on your car and/or home, a Consumer Proposal will allow you to retain those assets without issue.

Sands & Associates’ Approach to Consumer Proposal 

Sands & Associates works with Consumer Proposal clients across British Columbia – here’s the approach we take with our clients:

1. Have a free, confidential, non-judgmental consultation. In this initial meeting (which could be in person at a local office near you, over the phone, or online) we’ll take time to understand your situation, needs, and goals. We’ll talk with you about all your options, including Consumer Proposals.

If you decide that a Consumer Proposal is the best fit for you and your situation, we’ll work together to determine an offer that is affordable for you, and that your creditors are likely to agree to.

2. When you’re happy with the plan, you’ll have another meeting to review and sign the Proposal documents that we’ve prepared on your behalf.

After this your Licensed Insolvency Trustee will file your Proposal with the Office of the Superintendent of Bankruptcy, the government branch that oversees this process, and send your offer to your creditors for their consideration.

3. Your creditors will have 45 days to review and consider your Consumer Proposal offer and will submit a formal vote to your LIT confirming if they are willing to accept it.

Immediately after signing the Proposal documents, you should no longer be making payments to your creditors and your LIT will take on all communications with your creditors on your behalf, so you don’t need to deal with them further.

When your Consumer Proposal is accepted you’ll make the payments you offered, complete two private, one-on-one financial counselling sessions, and fulfill any other conditions you agreed to – and at the end you’ll be issued a ‘Certificate of Full Performance’ and legally released from all debts that you included in your Consumer Proposal.

Learn More About Starting the Consumer Proposal Process

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– Jayvee Lester De Castro

I highly recommend Sands and Associates especially Jennifer Thom. If you have problem with you debt. She will give you the best options and support throughout the process. – Jayvee Lester De Castro – 1 day ago 

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– Jarrod Barratt

I’ve been having financial hardship for quite some time now and I am pleased I reached out to Sands & Associates recently. They were very quick to get started on helping me with relief and I never once felt judged in the process. Omer and Jennifer were very polite and informative in the process and I thank you very much for your help and support. I would recommend Sands & Associates to anybody looking for some flexibility in their financial struggles. – Jarrod Barratt – 2 days ago 

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– All the good things

I found Jennifer Thom to be very helpful and friendly going over my options to get my debt dealt with. I felt welcomed without judgment and she made my stress and anxiety lessen which was huge for me. Thank you for your help and I look forward to a new future where I can be in control and not worried about how I’m going to survive debt. All the best. Will recommend. – All the good things – 2 days ago 

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– Saba N.

Sandra was amazing from start to finish with my consumer proposal. From answering questions and getting back to me in a timely manner when I knew she was very busy, the process was quick and painless. Paying this off will be great and then I can build up my credit again! Thanks again, Sandra ♥️ – Saba N. – 2 days ago 

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– Ali D

I went to Sands & Associates because I was overwhelmed with my debt and had no idea what to do. Camille helped me set up my consumer proposal, and honestly, she made the whole process so much easier than I expected.

She explained everything clearly — what a consumer proposal is, how it works, what my monthly payment would look like, and what debts would be included. She never made me feel embarrassed or judged, just supported.

Because of her, I finally feel like I have control over my finances again. She walked me through every step, answered all my questions, and made sure I fully understood what I was signing up for. I’m so relieved and grateful.

If you’re thinking about a consumer proposal or just don’t know where to start with your debt, talk to Camille. She’s patient, caring, and really knows what she’s doing. Highly recommend! 🙌 – Ali D – 2 days ago 

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– Shubham Batra

I had an exceptional experience with Sands & Associates during one of the most stressful periods of my life. I was overwhelmed, anxious, and unsure of where to turn, but the team treated me with genuine care and understanding from the very first moment.

Helen was absolutely amazing, patient, compassionate, and incredibly knowledgeable. She made everything easy to understand and helped me feel supported at every step. Hashan was also extremely helpful and kind, always quick to respond and guiding me with professionalism and empathy.

Thanks to both of them, I finally felt relief and clarity during a really difficult time. I’m truly grateful for their support and highly recommend Sands & Associates to anyone who needs trustworthy help and real compassion. – Shubham Batra – 2 days ago 

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– Emilee Stonehouse

I am very happy I got to work with Sand & Associates. It has been making life so much easy dealing with the debt I had. Plus working with Dana, and everyone there has been a delight to move things forward and easier. Thank you Sands & Associates! – Emilee Stonehouse – 3 days ago 

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– ga wa

Great and quick communication
Selina helped me with my case.
Was so stressed, quick responses from her helped me calm down.
Thank you so much Selina
You are awesome – ga wa – 4 days ago 

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– Jenna Sullivan

Working with Carolyn was an absolute relief. From our very first conversation, she made what could have been a stressful situation feel manageable and even hopeful. She explained everything clearly, answered all my questions with patience and understanding, and made sure I felt supported every step of the way. Her professionalism and compassion made a huge difference, and I’m incredibly grateful for her help. I would highly recommend Carolyn and Sands & Associates to anyone who needs guidance and wants to feel truly cared for through the process. – Jenna Sullivan – 4 days ago 

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– Deep Brar

I can’t thank Sands & Associates enough, especially Jagdip Dial, for helping me through one of the most stressful times in my life. I was buried under debt and didn’t know where to turn, but Jagdip treated me with genuine kindness and respect from day one.

He walked me through every detail of the consumer proposal process, explained everything clearly, and never once made me feel judged. Because of his patience and guidance, I finally feel like I can breathe again and start rebuilding my life with confidence.

If you’re struggling with debt and feeling hopeless, please reach out to Jagdip and the team — they truly care, and they’ll help you find a way forward. – Deep Brar – 4 days ago 

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Are Consumer Proposals Usually Accepted by Creditors? What Happens if They Don’t Agree? 

While your creditors do get to vote on whether they will agree to your Consumer Proposal, it can be reassuring to know that Proposals filed by Sands & Associates are almost always accepted – it’s quite rare for a Consumer Proposal to be rejected. One of the main reasons for this high rate of acceptance is that in a Consumer Proposal you are providing your creditors a better return on your balance than if you were to file for bankruptcy, which, in most cases, would result in creditors receiving nothing.

Your creditors have 45 days to consider your Consumer Proposal, file a ‘proof of claim’ with your LIT and vote. They may:

• Vote to accept your offer as filed (the debt repayment, time you’ll have to make your payments, and other terms that may be offered by you)
• Vote against your offer
• Vote against your offer as filed and ask to have a ‘meeting of creditors’
• Not vote at all (nor even file a proof of claim)

If the majority of your participating creditors (over 50% by dollar value) vote to accept your offer the Consumer Proposal will be legally binding and provide you full protection from all the creditors you included in your Proposal – even those who didn’t vote, file their claim, or who voted against your offer. For example:

• If you owe a total of $25,000 to five different creditors and only two of them who are owed a total of $15,000 vote to accept your Proposal, it will be accepted and binding on all five creditors, even if the other three (holding $10,000 of the total debt) vote against it.

How Much Debt Will a Consumer Proposal Eliminate? Learn More

Meeting of Creditors

Your Proposal can only be rejected at a meeting of creditors, and a meeting of creditors will be held within 21 days if one is requested by one (or more) of your creditors who are owed 25% or more of the total value of your proven debts.

This meeting offers an opportunity to negotiate different Proposal terms that can help your Proposal pass if one or more creditors were not happy with your original offer, and/or provide more information about your situation. At this meeting your creditors will vote to accept or refuse your Proposal, again the outcome is decided by a majority by dollar value – and in the event there is no quorum of creditors at your meeting, your Proposal is deemed to be accepted.

• In a less common case where your original Proposal isn’t accepted within the 45-day period, your creditor(s) may by more likely to accept a revised Proposal that offers more return to them, generally achieved by either increasing your monthly payment amount, or extending the time of your monthly payments.
• Prior to the meeting your Licensed Insolvency Trustee will continue to communicate with your creditors on your behalf and work to determine what terms your creditors would accept.

In the rare case that your Consumer Proposal is rejected, you have a few options to consider, including whether to amend your Consumer Proposal and refile it, or whether declaring bankruptcy is a better option for you. Your Licensed Insolvency Trustee can help you explore these remedies further and weigh the pros and cons of your options. 

What Are My Options if I’ve Done a Consumer Proposal Before?

Talk to a Licensed Insolvency Trustee About Filing a Consumer Proposal 

A Consumer Proposal can be a great solution to get a handle on problem debt – they are almost always accepted and offer many benefits compared to other solutions including consolidation loans and credit counselling repayment plans, both of which can have considerable limitations and high costs.

To do a Consumer Proposal you must work with a Licensed Insolvency Trustee, no other debt advisor can file one for you, and you can’t file one by yourself. No referral is required to talk with a Licensed Insolvency Trustee and there is no impact to your credit history either. To explore whether a Consumer Proposal could be a good fit for your situation and talk about other solutions you may want to consider, reach out to a Licensed Insolvency Trustee local to you.

• All Licensed Insolvency Trustees will offer you a free, confidential consultation and we are Canada’s official debt help experts, fully qualified and endorsed to help you find debt solutions.
  • If you’ve been advised against a Consumer Proposal by anyone other than a Licensed Insolvency Trustee, it is strongly recommend you see a LIT for a second opinion.
• LITs are neutral parties, and we will help you understand all your options. No two situations are exactly alike, and considerations can include how much debt you have, who your creditors are, as well as your income, household situation and other factors specific to you.

We understand it can feel difficult to reach out for help, and our goal is to offer you information and support in a caring, straightforward and empathetic manner. By the end of your consultation you should have a clear outline of your next steps in your debt-free plan.

Connect with a non-judgmental BC Licensed Insolvency Trustee and get started with a debt-free plan that works for you – book your free, confidential debt consultation with Sands & Associates now.

The post Do Creditors Usually Accept a Consumer Proposal? appeared first on Sands & Associates.

Consumer Proposal Debt Consolidation – Better than a Bank Loan

By making a Consumer Proposal, Canadians can restructure and pay off their debts completely, settling balances for as little as 20-50% of the total amount owing. Here’s how it works:

• You’ll connect with a local Licensed Insolvency Trustee in your province, and together decide how much of your debt you could reasonably afford to pay back over a period of up to five years.
• Once you’ve signed documents to finalize your repayment plan, your Licensed Insolvency Trustee will contact your creditors, notifying them about your Consumer Proposal.
  • Your creditors will be directed to ‘freeze’ your debts now, and anyone who has been contacting you for payments, or even pursuing you in court over your debt, will need to stop these actions – immediately.
  • Your creditors will have 45 days to consider your offer, and if the majority (by dollar value) agree, the Proposal will be binding on all the creditors included – even any who were silent or didn’t agree.
  • Most Consumer Proposals are accepted as filed, and in rare circumstances where this doesn’t happen, your Trustee can help negotiate different terms that work for everyone.

Learn More About the Steps for Consolidating Debt with a Consumer Proposal

Your Consumer Proposal will be customized to your specific personal situation and circumstances, taking into consideration your debts, family size, household income and expenses, and other relevant factors.

• Most people will offer to repay a portion of the debt they owe by making monthly payments over a period of anywhere from two to five years.
  • For example: $15,000 total debt may be cut down (by 70%) to $4,500, paid over a 36-month period at $125/month.

Compare Your Debt Options

Enter your total amount of debt (excluding mortgage and car loan) and we’ll show you a list of options.

Because Consumer Proposals are not financed through a bank or lender, there is no new loan or debt. This comes with several major advantages compared to consolidation loans or other refinancing options, including:

• Cutting the amount of debt you repay down to what you can afford.
• The debts being included in your Consumer Proposal are frozen, so no new interest accumulates.
  • With a reduced balance and no interest, your monthly debt payment in a Consumer Proposal is usually substantially less than if you continue paying all your debts separately, plus their ongoing interest and other charges.
• All kinds of different debts can be included in a Consumer Proposal – from credit cards to overdrafts, payday loans to student loans, outstanding income taxes to CERB overpayments and more.
  • Although a Consumer Proposal can cover virtually all types of debt, you don’t have to owe multiple creditors – you might instead use a Consumer Proposal to reduce one debt that is unmanageable, or multiple accounts with the same lender.
• Licensed Insolvency Trustees are Canada’s only official debt help professionals, and the administrative costs for your Consumer Proposal are set by a government tariff and paid from the money your creditors receive.
  • What this means is there are no out-of-pocket expenses for you – you just pay what you’re offering your creditors.
• With a Consumer Proposal you have a clear plan with start and finish dates – so you know when you’ll be debt-free! (You can, however, pay off your Consumer Proposal early any time if you want to.)

How to Qualify for a Consumer Proposal

One of the other big advantages Consumer Proposals have over other consolidation options is that they are very straightforward when it comes to who may be eligible to do one. To qualify for a Consumer Proposal, you need to:

• Be filing as a person, not a business.
  • It’s no problem if you include personal debt you might have incurred because of operating a business though.
• Owe total debts of less than $250,000 (excluding mortgages on your principal residence).
  • Or, in the case where two people are filing a joint Consumer Proposal together you could owe a total of less than $500,000 (again excluding your mortgages on principal residence).
• Be insolvent – either by being unable to pay-out your debt in full, or by owing more than the value of the assets you own outright.
• Not already have an ‘open’ Consumer Proposal.

Another key requirement to know is that a Consumer Proposal is a tool that can only be filed for you by a Licensed Insolvency Trustee. You can’t file a Consumer Proposal by yourself – and you can’t hire any other type of advisor to file one for you.

• Some credit counsellors and debt settlement agents offer debt repayment services that may sound similar to a Consumer Proposal, but these are not the same thing. If it’s not a Licensed Insolvency Trustee you’re talking with (or an Insolvency Estate Manager working for a Licensed Insolvency Trustee), they are not someone who can do a Consumer Proposal for you – and they aren’t qualified to be giving you advice about one either.
  • If you’re ever advised not to do a Consumer Proposal by someone other than a Licensed Insolvency Trustee, get a second opinion to be sure!
• Be very careful if you are considering working with any sort of third-party agent, especially anyone offering to help you file a Consumer Proposal or connect you with a Licensed Insolvency Trustee. This is totally unnecessary, and you’ll usually end up paying big fees for a connection you could make for free.

All Licensed Insolvency Trustees offer free, confidential consultations – and you don’t need a referral.

4 Questions to Ask When Choosing a Credit Counsellor

When a Consumer Proposal Isn’t the Right Option

Because they’re designed to be a debt solution tailored to fit your finances, a Consumer Proposal can work for almost every individual – but there could be a few situations where you might consider a different option more appropriate, such as where:

• You have a very high amount of debt and a very limited income, making even a significantly reduced monthly payment unaffordable. In a situation like this, filing for personal bankruptcy is often a good alternative.
• Your non-mortgage debts total over $250,000. In this case you would not be eligible to use a Consumer Proposal – but you could instead make a similar type of debt reduction offer called a ‘Division I Proposal’. It closely resembles a Consumer Proposal, but a few different rules and processes apply.
  • Talk with a Licensed Insolvency Trustee to discuss whether this could be an option for you.
• You have a small amount of basic consumer debt (under $5,000) and a reasonably stable income. In this situation you may want to consider a credit counselling repayment plan, where (for a fee) you would repay all your debt in full, possibly without interest.
• Your only debt is one of the very few types of debt that cannot be included in a Consumer Proposal. Some common examples include where: You only want to renegotiate an ongoing mortgage or vehicle loan, or only have outstanding child support or alimony payments.

When is Filing for Personal Bankruptcy the Best Option?

Most people never expect to find themselves in a situation where they are having challenges paying off their debt, or experiencing threats or legal action from their creditors – and if you do end up in this situation it can feel overwhelming and scary trying to understand all your options, let alone make a plan.

• A Licensed Insolvency Trustee is your best ally! We are here for you, with unparalleled expertise to help you understand your situation and all possible solutions, and have the authority to offer you safe, regulated options that can protect you from your creditors and get you back on track.

Whether you are interested in a specific debt solution like a Consumer Proposal, or need general advice figuring out what to do with your debt, the first step (and often the only one needed) is to take an hour to talk with a Licensed Insolvency Trustee at no cost.

Preparing for a Consumer Proposal Consultation with a Licensed Insolvency Trustee

Sands & Associates’ team of qualified debt experts work with people across the province, and when you talk with one of our Licensed Insolvency Trustees or Insolvency Estate Managers you can expect us to take the time to ask about your situation, and what your goals are, hearing your concerns and how we can help you.

Once we have a better understanding of your situation, we’ll walk you through all the solutions you could consider to deal with your debt and put together an estimate of what your Consumer Proposal might look like.

At the end of your consultation you should have an outline of your next steps, and many people tell us that after just this first conversation they feel relief about their financial situation. It might be difficult to believe, especially if you’ve been struggling to pay off your debt for some time, but you do have options, and you could be debt-free much sooner than you think.

You owe it to yourself to get debt help – take an hour to talk confidentially with a local BC debt expert who cares. Book your free confidential consultation with Sands & Associates today.

The post How Do I Qualify for a Consumer Proposal? appeared first on Sands & Associates.

Quick Facts About Consumer Proposals

• By filing a Consumer Proposal, you can legally consolidate and cut virtually all of your debt, without incurring any further borrowing or interest charges.
• Working with a Licensed Insolvency Trustee you’ll offer to repay to your creditors the portion of your debt that you can reasonably afford to pay over a period of up to five years, usually by making monthly payments. At the end of your Consumer Proposal your creditors will consider the unpaid balances forgiven and your debts will be legally eliminated.
• A Consumer Proposal can be made by an individual who owes between $1,000 and $250,000 of debt (not including their mortgage), and if you are filing a joint Consumer Proposal (for example, with your spouse) this doubles the debt limit.
  • If you owe more than $250,000 you could use a different type of debt Proposal that your Trustee can explain in further detail.

Why File a Consumer Proposal?

Consumer Proposals are a unique, customizable debt solution, making them an ideal debt-free plan for many different situations and needs. Here are some of the top reasons to file a Consumer Proposal:

1. Repay What You Can Afford with a Monthly Payment That Fits Your Budget

A major benefit of filing a Consumer Proposal is that the amount of your debt that needs to be paid to settle your debt in full is typically reduced by a significant amount – it’s not uncommon for people to repay only 20-30% of what they owed in total.

• For example, if you owed a total of $30,000, your Consumer Proposal might offer payments of $250 per month for 36 months, for a total repayment of $9,000, cutting your debt by 70%.

Not only is the amount you need to pay to clear your debt often greatly reduced, but by law your creditors must stop charging interest on your debt, and accumulating interest is commonly what hinders people trying to get their debts paid off.

• Because a Consumer Proposal will consolidate and cut your debt without interest and allow you up to five years to complete your payments, the monthly payments in a Consumer Proposal are usually the most affordable among debt management options – especially compared to repaying 100% of your debt with ongoing interest.

Learn More About Calculating Consumer Proposal Payments

2. Combine All Your Debts

Instead of juggling multiple accounts and payments, virtually all of your debts can be paid by making one simple payment each month, as nearly all creditors can be included in a Consumer Proposal.

• Whereas consolidation loans and credit counselling plans cannot address certain debts (such as government debts like income taxes or student loans), these types of debts (and more) can all be easily consolidated, cut, and paid off under a Consumer Proposal.
  • Besides declaring personal bankruptcy or paying the debt off in full, a Consumer Proposal is the only debt solution that can clear government debts.

If you have an ongoing secured vehicle financing or mortgage, you can choose to deal with these outside of your Consumer Proposal if you want to continue with these payments.

Learn More About What Debts a Consumer Proposal Can Cover

3. Get Protection from Your Creditors

A Consumer Proposal is a federally legislated debt relief process that provides an automatic “stay of proceedings” which protects you, your assets, and your income. Virtually no other debt solution (other than personal bankruptcy) can offer you these protections. What this means is that:

• Once your Consumer Proposal has been filed and registered by your Licensed Insolvency Trustee, your creditors can no longer pursue you for payments, charge you interest, or continue collections on overdue accounts.
• If creditors are seizing your wages or bank account, you’ll further benefit from this stay of proceedings as the garnishment or freeze must cease immediately – even if it’s been done on behalf of Canada Revenue Agency.

Only 50% of your creditors (by dollar value) need to agree to your Proposal for it to be considered accepted by all of them. Consumer Proposals have a very high rate of acceptance and in the rare event your Proposal is not accepted you have options to have your Trustee negotiate further on your behalf and/or explore other solutions together.

Read Reviews from Sands & Associates Consumer Proposal Clients

4. Build a Positive Credit History

Filing a Consumer Proposal will provide a ‘reset’ on your credit history, allowing you the opportunity for a financial fresh start to build a credit history that shows positive credit use and a balanced debt-to-income ratio.

• Your Consumer Proposal will be noted on your credit history for three years after it is paid off (or for six years after the date you start it, whichever is soonest). For most people this timeframe is considerably faster than if they continued paying down their debt on their own.
• Two credit counselling session focused on budgeting, savings, and boosting your credit rating are included as part of the Consumer Proposal process.
• You can apply for new credit any time, even while your Consumer Proposal is still active.

Because you can build up your credit rating following your Consumer Proposal and no longer be focused on repaying debts each month, clients often find it much easier to focus on other financial goals such as savings, retirement, or homeownership.

Understanding Credit Reports and Scores

5. Work with a Qualified, Licensed Professional (at No Extra Cost)

To make a Consumer Proposal you’ll work with a Licensed Insolvency Trustee – we are the only people who can file a Consumer Proposal for you. Having a Licensed Insolvency Trustee by your side offers many benefits to you, and you’ll have a safe, dedicated resource to guide you in all aspects of your Consumer Proposal.

• Your Licensed Insolvency Trustee will take over communicating with your creditors and ensure everyone respects the rights and remedies of the Proposal process, removing pressure on you.
• Your Trustee will coordinate bringing your Proposal offer to your creditors and getting payments to your creditors.

One of the best parts of working with a Licensed Insolvency Trustee is that there are no added costs to you for our services:

• Licensed Insolvency Trustees receive a fee for our work, and this is fully regulated and legislated. These government-set fees are calculated by a tariff and paid from the funds your creditors receive, so in this way your creditors are absorbing the cost of your Consumer Proposal, and you won’t be charged anything on top of whatever you are offering your creditors.
• Consumer Proposals are very transparent, with no hidden fees or charges. There is no upfront fee or ‘lump sum’ to pay either. Once you and your Trustee have worked out your monthly payment amount, you’ll just start making this payment after your Consumer Proposal is officially signed.

It’s important to note that Consumer Proposals are a specialized tool that only a Licensed Insolvency Trustee is legally empowered to administer – beware of imitators!

If you’ve been advised against doing a Consumer Proposal by anyone who is not a Licensed Insolvency Trustee, we encourage you to please get a second opinion. Licensed Insolvency Trustees are Canada’s only official debt help professionals, fully qualified to help you evaluate all your debt options.

• The best way to determine whether a Consumer Proposal could be your ideal debt solution is to contact a Licensed Insolvency Trustee for a confidential debt consultation. Consultations are always free, and you’ll come away with information and a debt-free plan that works for you.

Learn more about Consumer Proposals and other debt solutions –  book your free, confidential consultation with a non-judgmental BC Licensed Insolvency Trustee today. Our caring professionals are available for support 7 days a week.

The post 5 Reasons You Should File a Consumer Proposal appeared first on Sands & Associates.